Head of Credit Innovation and Digital Change

3 months ago

Cape Town, South Africa Old Mutual Full time

Description

The Head of Credit Innovation and Digital Change is responsible for leading and overseeing all aspects of change initiatives within the credit risk domain. This role involves driving strategic changes, process enhancements, and technology implementations to optimize credit risk management practices.

KEY RESULTS AREAS

Change Strategy and Planning:

Develop a comprehensive  change management strategy  aligned with the credit risk function’s goals. Identify key stakeholders, assess their readiness for change, and create tailored communication plans. Collaborate with senior leadership to prioritize change initiatives.

Process Optimization and Transformation:

Evaluate existing credit risk processes and identify areas for improvement. Lead process re-engineering efforts to enhance efficiency, accuracy, and risk mitigation. Implement best practices and industry standards.

Technology Adoption and Integration:

Work closely with supporting chapters (engineers, solution architects, etc.) to introduce new risk management systems or enhance existing ones. Ensure smooth adoption of technology solutions by credit risk teams. Provide training and support.

Risk Culture and Communication:

Foster a positive  risk-aware culture  within the organization. Communicate the rationale behind changes, emphasizing risk management benefits. Address any resistance to change and promote buy-in from stakeholders.

Project Management:

Define project scopes, objectives, and deliverables related to credit risk change initiatives. Develop detailed project plans, allocate resources, and monitor progress. Mitigate risks and address issues promptly.

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Performance Metrics and Evaluation:

Establish  key performance indicators (KPIs)  to measure the success of change efforts. Regularly evaluate the impact of changes on credit risk processes and outcomes. Adjust strategies based on performance data.

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Collaboration and Leadership:

Collaborate with cross-functional teams, including credit analysts, data scientists, and compliance officers. Lead change management teams, providing guidance and mentorship. Influence decision-making at the executive level. Provide support and input into the customer facing teams on how to improve customer experience. Provide input and technical support into the E2E Credit Risk lifecycle processes and support the Head of Credit Decisioning and the Head of Credit Analytics.

ROLE REQUIREMENT

Bachelor’s degree in Mathematics, Economics, or related fields.  Minimum 8 years of experience in credit analysis or underwriting.  Familiarity with credit risk models and financial ratios. Proficiency in programming languages (e.g., SAS Python, R) and data manipulation tools.

COMPETENCIES

Analytical Skills:

Ability to interpret credit data and assess risk. Attention to detail and accuracy.

Decision-Making Ability:

Sound judgment in credit evaluations. Ability to balance risk and business needs.

Strategic:

Identifies, understands and acts on broader opportunities in order to drive longer-term value-adding change. Identifies and acts on market and/or competitor trends/opportunities to set, develop and drive out value adding change. Is able to understand, identify and act on broader. Opportunities in order to drive longer-term, value-adding change. Applies judgement effectively. Identifies and acts on market and/or competitor trends/opportunities to set, develop and drive out strategic value adding change.

Collaboration (Relating):

Proactively establishes and maintains relationships. Values driven in relating to others. Engenders trust, respect and the building of meaningful relationships across a variety of contexts. Able to handle a wide range of relational challenges including conflict and confrontation to collaborate across boundaries.

Customer First:

Puts the customer at the heart of business decisions and drives to improve value for customers. Builds inspiring customer relationships. Being a customer champion and being responsive to customer needs so as to improve our speed to market. Displays consistent energy, drive and perseverance in order to deliver results. Demonstrates a willingness to take calculated risks to achieve stretch performance goals.

Innovation (Perspective):

Demonstrates ability to relate to challenges from a range of diverse but relevant perspectives. Generates creative/out-of-the-box solutions. Challenges the status quo and/or demonstrates ability to relate to challenges from a range of diverse but relevant perspectives. Generates new perspectives that allow a more creative approach to be followed. Willing to take calculated risks when introducing novel ideas.

Personal Mastery (Learning):

Learns and actively works to build self-awareness; develop through experience and feedback from others. Copes effectively with stress and has the resilience to take on stretching and challenging assignments which carry a risk of failure. Adjusts effectively to work within new work structures, processes requirements, or cultures.

Skills

Education

Closing Date

10 June 2024

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