Specialist: Unsecured Credit

Purpose Statement:To provide specialist knowledge and data insights linked to product knowledge towards the formulation and enablement of the Banks Unsecured Credit Strategy in order to achieve the required market share within ROE and profitability targetsTo provide business context to modelling and analytical teams and lead a data-driven Unsecured Credit strategyTo provide input into credit client experience through improved processes and product value proposition.Key Tasks & Accountabilities:Strategic InputProvide specialist input (observations made through analysing data relating to activities across the credit life cycle) to inform Managerial decision making as well as the Unsecured Credit strategy.Provide specialist input and suggestions to Head: Unsecured Lending, in order to enhance the functioning of the Unsecured Credit Portfolio.Align Unsecured Credit solutions and policies to the strategic objectives of the business (Department, Division, and the Bank as a whole).Apply specialist knowledge to identify, flag and mitigate risks relating to Unsecured Credit and Lending.Identify Opportunities In Unsecured Credit PortfolioReview internal credit reporting packs as well as weekly or monthly Credit Committee packs and identify:Improvements to how reporting is structured and delivered.Opportunities to change unsecured credit policies and products.Take responsibility to drive and coordinate the specification, internal prioritisation and presentation of ad-hoc analysis (in collaboration with data analysts).Maintain a good understanding and stay up to date with of unsecured credit market trends in order to:Interpret quarterly market share reports and competitor analysis done.Advise on how market trends will impact the operation of the Unsecured Credit Portfolio.Propose changes to Unsecured Credit products, features and policies, based on market trends and in line with the Banks strategic objectives.Responsible to drive opportunities and changes identified to implementation, and act as a business owner while working with IT and other stakeholders.Unsecured Credit Policy ChangesConvert opportunities into credit policy changes that positively affect the Unsecured Credit product in a way that is measurable.Mature policy changes through collaborative interactions across relevant departments (finance, operations, marketing etc.):Take ownership of internal influencing and prioritisation of work required to prepare for sign-off.Keep track of credit policy changes as well as profit impact of each.Obtain sign off on policies at relevant bank committees (Credit Committee, ALCO etc.) through the preparation of documentation, presenting information and influencing stakeholders.Take ownership of the prioritisation and system implementation of policy changes, and influence the banks delivery channels (e.g., Client Experience Delivery) in an objective manner to prioritise these changes.Responsible for the implementation of monitoring mechanisms for policy changes:Set up monitoring reports to track policy changes implementation and adoption.Illustrate how these changes impact the banks profit by reporting on actual vs. intended outcomesUnsecured Credit Client ExperienceIncorporate feedback from operations and clients (e.g. complaints relating to Unsecured Credit products) with data driven analysis to formulate an understanding of the end-to-end unsecured credit client experience in order to provide specialist input and suggest changes to improve the clients experience.Mature the proposed changes to client experience by obtaining buy-in from all necessary parties and mandated decision-making committees.Take ownership for the implementation of changes to the unsecured credit value proposition.Stakeholder EngagementEngage with various stakeholders and teams across the Product Maintenance and Improvement/development life cycle and facilitate cooperation and collaboration in order to ensure the achievement of Unsecured Credit objectives.Work closely with stakeholders to provide specialist guidance and support relating to Unsecured Credit.Mentor and coach internal stakeholders on processes and requirements relating to Unsecured Credit, as well as their roles and responsibilities towards the Unsecured Lending Department.Qualifications:Bachelor / Honours Degree in Commerce or Economic and Management SciencesKnowledge and Experience:KnowledgeAnalyticsScorecard building, modelling and portfolio managementUnderstanding of scored lending / a volume bookUnderstanding of the SME environmentFinancial Services Industry (retail or other)Basel IICredit Risk regulatory requirementsExperience2 3 years working in an unsecured credit portfolio.Exposure to a data-driven culture / business environment.Proven experience in providing insights based on data analysisIdealKnowledgeBankingExperience3+ years experience in risk management of unsecured credit portfolioShould you not receive a response from us within one week of your application, your application has unfortunately not been successful.
Johannesburg, GT, ZA