SME Portfolio Manager
Job Summary
To plan, manage and monitor the
implementation of credit control management activities and processes in order
to deliver on approved operational plans in an effective and efficient manner.
Job Purpose
Reporting to the Head of Business
Banking sanctioning, the role holder will be required to collaborate in shaping
SME risk appetite and Target Market Criteria (TMC) to build a profitable and
sustainable business
Review, recommend and build SME
fit-for-purpose risk processes across the end-to-end lifecycle (multi-year
outlook).
Assess current capability against
ambition and build a plan to close the gap with clear annual deliverables.
Implement risk policy, account
management and collections and impairments processes (Proactive and not
reactive)
Key Accountabilities
Accountability:
Credit Risk Management Time Split 70%
Accountability for the strategy and
quality of the SME lending book, including all aspects of lending.
In collaboration with the business
counterparts, develop, implement, and maintain SME credit risk strategies
Ensure the highest standards of credit
quality through the sanctioning, sampling, and application of best practice to
credit proposals, and maintenance of these standards throughout the SME credit
teams.
Input on review of the scorecard cards
and monitoring the scorecard cards to ensure effective and efficient delivery
of the intended purpose and result
Guide and support SME key stakeholders
on all matters relating to credit risk within SME with special focus on secured
and unsecured book.
Review and Implementation of credit
policy and processes. Feed into business and credit policy development.
Ensure timely and effective monitoring
and control of the SME lending book. Review and challenge information and
performance.
Managing, review and challenge change
to ensure that the anticipated benefits are not only met but maximized.
Ensure adherence to Lending
discretions with appropriate delegation to the SME Credit and Credit
Operations/ RCU Team.
Exercise personal judgment and
discretion in the evaluation and approval/decline of credit proposals.
Responsibility for personal & team
adherence to governance, compliance, and lending portfolio controls. Ensuring
audit outcomes are satisfactory backed by conformance to policy and procedures
including proactive management of agreed responsibilities for Data Integrity.
Handling Policy Dispensations
Maintain interactive relationship with
relevant ARO/Group Risk/Business/Operations/Conformance Teams.
Challenge pricing and profitability
models in order to maximize value. Ultimate sign off at customer level remains
with Business.
Design, implement and maintain generic
strategies for appropriate remedial action on poorly performing accounts in the
portfolio
Accountability: Team Management Time Split 30%
Promote teamwork in delivering
performance by designing performance measurement processes that recognizes
performance both at individual and team levels
Coaching team members on how
individual and team PD financial targets are measured proactively reflecting on
their feedback to win buy-in for effective and efficient PD review and process
improvement.
Preferred Qualification
A numeric degree (math, statistics,
economics, operations research) or master’s degree, A business ARO background
is an added advantage.
Proven experience in performing data
analysis utilizing a standard statistical package
Preferred Experience
High level of PC literacy, ideally
with programming experience
Practical experience of using
analytics to solve complex business problems.
Able to present complex
analytical concepts to all levels of the business.
Communication (both verbal and
written)
Creative thinking and ability to
explore new ideas / opportunities and develop innovative approaches.
Knowledge and skills
Working knowledge of Group policies
and strategies relative to the credit function
Product knowledge
Detailed understanding/fit of the
vision for Risk
Detailed understanding of the Bank’s
policies on Employment/Redeployment, Equal Opportunities and Health &
Safety
Working knowledge of local country
structure and strategy
Leadership and performance development
of a team
Managing risk and reward
Behavioral competencies
Leadership
People management and coaching
Communications (written and oral) and
presentations
Effective negotiation and influencing
Technical competencies
Risk Management
Business Management
Strong Lending skills
Analytical
How to Apply
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