Head: Credit Models and Analytics

Requisition Details & Talent Acquisition Contact

117348 - Debbie Fuyani

**Location
**JHB - Sandown

**Cluster
**Nedbank Group Risk

Career Stream

Credit Collections

Leadership Pipeline

Manage Managers

**Position
**Head: Credit Models & Analytics

**Job Purpose**

To manage the team that monitors the end to end credit lifecycle across lending products to provide oversight and optimise the quality of the credit portfolio for Nedbank Ltd, and function as the custodian for the Credit Risk policy to ensure alignment between Group and the product houses as well as to legislation and regulations.

**Responsibilities**:

- Perform monitoring exercises on a continuous and an ad hoc basis to address alignment to Risk Appetite Measures.
- Interact with Business management on findings to solicit management comments and various possible responses to scenario's
- Present Business Units with reports and findings on pertinent risks identified, together with recommendations on how to address these.
- Review Business Unit performance and engage on performance trends to facilitate preferred outcomes that positively impacts RAROC & Credit Loss.
- Scan the Regulatory Universe and Competitive Environment to establish emerging risks and engage Business Units proactively to address.
- Control and manage the departmental budget.
- Engage with Business Partners to establish Credit Risk and Portfolio Performance in their respective areas.
- Ensure Business Units are presented with factual results of monitoring and solicit responses on findings from them, as well as corrective action plans.
- Ensure Divisional Management are appraised of existing and emerging credit related risks in the portfolio.
- Ensure Group are appraised of any serious breaches that occur.
- Act as the sounding board to assist Businesses in approving their practices and performance
- Ensure that the Bank in its lending practices treat the clients ethically and fair.
- Align Retail Credit Risk Level 4 Policy to the Group Credit Policy on an annual basis.
- Ensure alignment of Business Unit Credit Risk Policies to the Retail Credit Risk Level 4 Policy.
- Plan and maintain the Credit Risk Monitoring Plan according to the prevalent macro-economic cycle.
- Obtain buy-in and overseeing execution of the Risk Monitoring Plan.
- Adjust the Credit Risk Monitoring plan to accommodate new requests and to address identified emerging risks.
- Optimise efficiency and embed correct values by ensuring direct reports understand and support Nedbank's vision, values and strategy and are measured on delivery against these.
- Manage performance of reports and hold them accountable for managing the performance of their reports by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required.
- Identify relevant development needs by assessing own performance and behaviour through formal and informal feedback.
- Drive to execute own and direct reports planned development by attending learning, seeking coaching or other industry or technical learning events and opportunities.
- Maintain a capable high performing team, by managing the quality of the intake through targeted assessment and by identifying a talent pool through conducting career conversations and utilising the talent grid principles and developing talent retention programmes (e.g.. rotation).
- Participate and ensure managers encourage staff to participate and support corporate social responsibility initiatives for the achievement of business strategy (e.g. Green Strategy).
- Ensure issues raised in culture survey are addressed and results are improved by ensuring action plans are created.
- Deliver a world class service through others by ensuring a client centric culture through required interventions.
- Identify areas of resource inefficiencies and promote optimisation through promoting multi-skilling and addressing capacity gaps by reviewing and improving work processes.

Essential Qualifications - NQF Level
- Master’s Degree

Preferred Qualification

Finance Risk Manager (FRM) Certificate and/or Profession Risk Manager Certificate (PRM) and /or Project Management Professional Certificate (PMP).

Minimum Experience Level

10 years Retail Credit Risk at Senior Managerial Level

**Technical / Professional Knowledge**
- Business administration and management
- Financial Accounting Principles
- Governance, Risk and Controls
- Principles of project management
- Relevant regulatory knowledge
- Stakeholder management
- Strategic planning
- Business writing skills
- Management information and reporting principles, tools and mechanisms
- Risk Management Methodologies

Behavioural Competencies
- Building Partnerships
- Decision Making
- Building talent
- Influencing
- Business Acumen
- Driving for Results

**Declaration
**_Please contact the Nedbank Recruiting