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    Credit Policy Analyst - Nairobi, Kenya - Absa Group Ltd

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    Full time
    Description

    JOB SUMMARY

    To effectively support the in developing strategies throughout the credit cycle including prospect targeting and acquisition, exposure management, customer marketing, collections, and recovery. This also includes ensuring successful score card deployment, implementation, and performance tracking, building, and tracking test cases, Sampling responsibility to ensure credit quality is maintained as well as Perform portfolio quality reviews.To support the Head of Retail Credit risk in building monthly Scheme portfolio reports, forbearance reviews, limit reviews as well as annual reviews as and when required. Additionally lead the Macroeconomics section in the department by circulating highlights in the news affecting the portfolio, monthly economic reviews, sector analysis as well as competitor analysis on the retail credit risk portfolio.Technical skills / CompetenciesEducation and experience requiredHigh level of PC literacy, ideally with experience in the use of SASAbility to work on own initiative.Practical experience of using analytics to solve complex business problems.Able to present complex analytical concepts to all levels of the businessWorking to deadlinesPersonal organizationInitiativeManaging multiple tasksCommunication (both verbal and written)Attention to detailCreative thinking and ability to explore new ideas/opportunities and develop innovative approachesAbility to draw out key messages and see patterns to identify future trendsKnowledge, Expertise and ExperienceEssentialProven excellent presentation skillsHigh analytical abilityProven experience in performing data analysis using a standard statistical package such as SAS (preferred) or SPSS.Communication and persuasion skills with the ability to think quickly and package ideas and results in a logical, understandable, and compelling way to both technical and non-technical audiences.Self-motivating team player who is able to define structure and prioritize work in order to complete assigned tasks on schedule in a timely and cost-effective manner.PreferredA Bachelor's degree in a maths/statistics/economics/ operations research related fieldEnergetic and highly motivatedKeen team playerAbility to assimilate new information and quickly adapt to new environment.Self-starter who naturally assumes ownership of initiativesPassionate about data and how this contributes to business.

    RESPONSIBILITIES

    Main accountabilities and approximate time splitAccountability: Development of Risk Management Models (25%)Design and development of effective credit risk management models for the mobile lending product.Design and development of application and behavioural scorecards for different products/markets portfolio.Definition of a credit strategy for each portfolio to optimize portfolio profitability.Continuous research and testing to assure effectiveness of the credit risk models and tools.Accountability: Execution and Maintenance of Risk Management Models (20%)Execution and maintenance of these credit risk models to optimize profit.Review and underwrite credit strategies that may require subjective input.Accountability: Portfolio Monitoring (40%)Portfolio monitoring to identify trends and mitigation strategies to achieve target credit risk metrics.Define and manage a portfolio management strategy that assures compliance to performance metrics.Preparing monthly macro-economic reviews on the exchange rate, inflation, interest rates and other factors affecting the economic environmentCarrying out regular competitor analysis with regard to products and financialsRegularly updating the macro-economic library in view of the required Sectors intelligence and regulatory landscapeCo-related portfolio performance and macro-economic environmentAccountability: Quality Assurance (15%)Contribution to the product development to assure quality is integrated to product design.Contribute to product and process design and development to build quality at designContribute to Sales strategies to positively influence the target population and product uptake

    REQUIRED SKILLS

    Risk management, Reporting, Collaboration, Communication

    REQUIRED EDUCATION

    Bachelor's degree



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