Position Description To develop and maintain financial models that provides deeper insight into the PBB portfolio. To use advanced analytics that protect and unlock value in the portfolio.KEY RESPONSIBILITIES / ACCOUNTABILITIES• Development and maintenance of financial models to provide deeper insight into the portfolio,• Provision of in-depth data analysis, trending, forecasting and reporting to provide meaningful management information to be used in the day to day decision making process,• Analyse and report on any underlying reasons for changes and shifts identified in the portfolio financials and facilitate understanding of this to key stakeholders,• Provide analytical support to the centre portfolio team on a routine and ad-hoc basis with the view to finding patterns in data,• Assist with ad-hoc country requests, country risk appetite and product papers where necessary,• Assist with the monthly reporting packs when required,• Ability to meet reporting deadlines and manage multiple tasks simultaneously,• Understand the business needs and strategies,• Constantly challenges established thinking and facilitate improvements in systems and processes.• Make recommendations on an on-going basis on the Risk AppetiteSUCCESS INDICATORS• Accurate and timeous data analysis on MIS to identify variances and inconsistencies,• Development of models to perform:o Loss forecasting using single and multiple variables,o Champion Challengero Cohorts Analysiso Flow Rates Analysiso Trend Analysis• Understanding of key credit budgets and business rules within Africa Credit,• Monthly budget and forecasting and identification of trends within portfolios and countries.• Complete and present accurate analysis of results and make robust recommendations to Business and Head PBB Credit on findingsKEY PERFORMANCE MEASURES• Providing meaningful answers that assist in insight generation to questions o “What is the face of my NPLs”, o “Why are we taking on too much/little risk in the portfolio” o “What are the lead indicators of Pre-NPLs in the portfolio” • Effective returns achieved in the portfolio for the risk the bank is undertaking• Improved decision making capability for strategic decisions on the portfolio by using a fact based and hypothesis driven approach.• Decrease in credit losses due to early detection• Prepare cohort analysis and scorecard analysis for portfolio,• Accuracy of the analysis used by the Portfolio Managers,• Feedback from key stakeholders on accuracy of data,• NPL as a % of total portfolio,• Pre-NPLs as a % of total portfolio• Provision Adequacy• Credit Loss RatioIMPORTANT RELATIONSHIPS• Key relationships witho Portfolio management (centre)o MISo Product managerso Head of Credito Project managers where projects directly impact the credit environmentPROBLEM SOLVING• Understands the implications of recognised issues, problems or opportunities and is able to respond appropriately on the information,• Applies existing business unit/area specific processes and procedures to solve operational problems/meet clients needs,• Reflects high levels of alertness, accuracy and attention to detail,• Thinks before acting and able to identify multiple options and ways of doing things.• Ability to use a combination of systems thinking, root cause analysis and hypothesis based analysis to assist in the development of fact bases.PLANNING• Proactively ensures that reporting requirements are met,• Detects and evaluates shifts or changes in key risk parameters in a business relationship or industry and evaluates the implications of such changes on continued business dealings,• Demonstrates an expert ability to systematically use information to identify the sources of risk, sift through the detail and estimate the risk. Analyses and explores risk scenarios of both a complex and routine nature.• Understands the clients’ viewpoints and takes them into consideration during solution creation and implementation.• Ensures a high standard of verbal and written communication skills in Management reporting and systems/procedural documentation.• Required to interpret, analyse, evaluate and formulate plans based on information from a number of sources. Typically, there is no right answer and a relatively indeterminate amount of risk.DECISION MAKING• Keeps abreast with current events, changing trends, business drivers and best practices impacting the Financial Markets, Standard Bank and their Business Unit so that the most appropriate model is used,• Identifying and implementing change through research of new concepts and evaluation techniques,• Consider all the facts, options and possible outcomes prior to producing analysis,• Quick to act upon potential opportunities and take the initiative to illustrate ways of how we can improve business.
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