Portfolio Manager: Credit Risk

Requirements Bachelor's degree in mathematics, statistics, data science, or a related quantitative field, preferably with a suitable post-graduate qualification7 years + experience in credit risk management, with a strong foundation and understanding of the various kinds of models used in the credit value chain of high-volume portfoliosExperience working  in banking sectorExperience across the entire credit value chain would be a strong advantage (Unsecured Consumer and SME Credit portfolios preferable)Responsibilities Monitor the performance of the bank's credit portfolios, identifying trends and potential risks, and recommending appropriate risk mitigation strategiesManage the strategic direction of the portfolio to maximize risk-adjusted returnsPrepare and present reports to senior management, highlighting key risk metrics, trends, and recommendationsManage model risk for the bank's credit portfolioHelp drive RDARR compliance and ongoing improvements for the bankContribute to the efficacy of credit processes in the bank and help shape the credit risk appetite levelsEnsure optimal credit cut-off strategies are in place to optimize the profitability of the credit portfolios over the medium to long termEnsure the Credit Risk framework and related credit policies are aligned to regulatory developments, are appropriate and effective, align with the overall objectives and strategic direction of the bank, and that portfolio and concentration risks are proactively managed