Overall, Purpose of the Role:
As the Portfolio Manager for Credit Risk at TymeBank, you will play a pivotal role in analysing, mitigating and managing the risk reward profile within the bank's portfolio of lending products. You will gain experience across multiple lending products currently offered by the bank, i.e. Merchant Cash Advance, Personal Loan, MoreTyme (BNPL), TymeAdvance (Salary Advance), Grantadvance, Banking exposures, Sovereign holdings, etc with further produce roll outs being planned. You will also be involved with various regulatory initiatives such as the ICAAP for the bank, the bank's RDARR programme, as well as overseeing impairments and regulatory credit returns.
You will have the ability to influence and contribute to all aspects of credit risk management for the banks' lending portfolio. This includes the management and defining the risk appetite, ensuring that credit processes, models, capabilities and solutions are fit for purpose and effective, that adequate controls are in place to ensure portfolios are controlled within the defined risk appetite.
Experience and Skills Required:
Bachelor's degree in mathematics, statistics, data science, or a related quantitative field preferably with a suitable post-graduate qualification.
7 years+ experience in credit risk management, with a strong foundation and understanding of the various kind of models used in the credit value chain of high-volume portfolios. Experience across the entire credit value chain would be a strong advantage. (Unsecured Consumer and SME Credit portfolios preferable)
Excellent communication and presentation skills, with the ability to convey complex concepts to non-technical stakeholders.
Good interpersonal, communication and relationship building skills
Analytical and critical abilities Disciplined and results orientated
Ability to work independently and drive initiatives with enthusiasm
Strives for continual learning and self-development
Solution driven with the ability to explore new ideas and be open to innovation
Must have high levels of integrity.
Must be emotionally mature, respectful but forthright in their views.
Responsibilities:
Monitor the performance of banks credit portfolios, identifying trends and potential risks, and recommending appropriate risk mitigation strategies.
Managing the strategic direction of the portfolio to maximise risk adjusted returns.
Prepare and present reports to senior management, highlighting key risk metrics, trends, and recommendations.
Managing model risk for the bank's credit portfolio.
Help drive RDARR compliance and ongoing improvements for the bank.
Contribute to the efficacy of credit processes in the bank and help shape the credit risk appetite levels.
Ensure optimal credit cut-off strategies are in place to optimise the profitability of the credit portfolios over the medium to long term.
Ensure the Credit Risk framework and related credit policies are aligned to regulatory developments, appropriate and effective, aligned to the overall objectives and strategic direction of the bank and that portfolio and concentration risks are proactively managed.
Contribute to the development and implementation of credit risk strategy across the credit lifecycle.
Contribute towards ensuring that business lending plans for the Bank are appropriate and on track to deliver against expectations, by reviewing and providing input to budgets, business cases, new credit products, pricing, target market criteria, credit marketing and advertising material, process changes, etc.
Have a thorough understanding of models that calculate the PD, EAD and LGD for both impairments and capital in the portfolio to ensure that appropriate capital and impairments are held on the portfolio.
Implement and monitor credit limit increase and decrease strategies on the existing portfolio to optimise profits.
Ensure effective, fit for purpose monitoring and accurate reporting for all products within the banks credit portfolio.
Provide input to optimise customer payment strategies to prevent delinquency
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