Credit Risk Manager

Found in: Talent ZA C2 - 2 weeks ago

Randburg, South Africa Phaki Personnel Management Services Full time
Purpose of the job:
Review and Recommend Models and Strategies: The manager plays a pivotal role in reviewing and recommending the company's developmental credit risk and investment risk models and strategies in line with best practice. This involves staying updated on industry standards and ensuring the company's approaches are competitive and effective.
Develop and Maintain Risk Models: Assist in developing, monitoring, reviewing, and maintaining portfolio risk models and IFRS9 models for impairment purposes, focusing on Expected Credit Loss (ECL) and Unexpected Loss (UL) perspectives. This requires a deep understanding of predictive analytics and financial modelling.
Risk quantification: Through predictive analytics, determine and update default probabilities across clients, products, and portfolios based on historical, current, and market data patterns and trends. This involves a data-driven approach to assess and mitigate risk.
Collaboration with Finance and Treasury: Work closely with Finance and Treasury to contrast the likelihood of possible performance scenarios around key value drivers such as collections, impairments, disbursements, etc., ensuring financial stability and foresight in planning.
Financial and Risk Reporting: Run month-end, quarterly, and year-end reporting processes, providing technical support in financial and risk reporting, issue analysis, project management, quality assurance review, and leading key projects that impact credit and investment project.
Stakeholder Engagement and Team Collaboration: Collaborate with the Credit team, develop relationships with stakeholders outside the credit risk function, and contribute to various Credit and Investment Committees. This involves presenting insights and solutions that guide the company towards optimal investment decision-making.
Leadership and Employee Development: Lead employee development, demonstrating strong leadership qualities and a proactive attitude towards driving solutions. The role expects the candidate to be a good team player and self-motivated, enhancing the team's capabilities and promoting a culture of continuous improvement.
Awareness and Analytical Skills: Demonstrate a broad awareness of the credit and investment risk environment, management, financial reporting, and analytical skills. This foundational responsibility supports all other tasks by ensuring decisions are made based on a comprehensive understanding of the market and internal capabilities.

Key perfomance areas:

  • Portfolio risk management - reviews and recommends the company's developmental credit risk and investment risk models and strategies
  • Policies, processes, and Stakeholder Management
  • Credit Risk Reporting
  • Data management and data analytics
  • Risk modelling, forecasting and capital management
  • Capita losses, Impairments and write offs
  • People Management

Qualifications
Minimum Requirement:
  • CA(SA)/FRM/CFA/ Masters in risk or postgraduate qualification in statistics
  • Relevant Degree (Statistical / Finance/ Mathematical background).
  • MBA or similar and advantage
  • Proficient in SAS / R / SQL.
  • Data analytics and data science (advantageous).
Preferred Qualification
  • Above or similar related qualification

Experience
Minimum Requirement:
  • 7 years’ relevant experience in Credit risk, development finance, lending and investments. Advanced knowledge of investment risk management systems
  • knowledge of NCR and NCA and related legislation.
  • Experience in managing teams.
  • Expertise in building or validating impairment models (including experience in Basel / IFRS9 / scorecard models, equity valuation).
Preferred Requirement: Above experience in similar environment with financial modelling experience

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