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    Manager, Scored Lending at - Nairobi, Kenya - Standard Bank Group

    Standard Bank Group
    Standard Bank Group Nairobi, Kenya

    1 week ago

    Default job background
    Full time
    Description

    Standard Bank Group is the largest African banking group by assets offering a full range of banking and related financial services.

    "Africa is our home, we drive her growth" Our vision is to be the leading financial services organisation in, for and across Africa, delivering exceptional client experiences and superior value


    JOB PURPOSE
    To source and transform data into information as input into effective credit portfolio insights and analytics for allocated PBB AR countries across multiple products/segments for the credit lifecycle for scored lending (e.g. originations, account management, collections) in line with PBB AR objectives.
    To automate relevant production reports to improve the reporting, data extraction and information preparation processes.


    KEY RESPONSIBILITES
    Business Requirements

    Sources appropriate data and prepares meaningful and accurate management information (MIS) for allocated portfolios to support Business, Operational, Credit and Finance Reporting.

    Collects and collates the appropriate data for report generation.
    Conducts in-depth analysis of user needs and prepares the appropriate reporting where required (based on urgency and priority)
    Executes all new reporting requirements.
    Provides the necessary big data where required based on business requirements.

    Data Transformation and Reporting

    Validates data accuracy by performing standard reconciliation – remediates any data discrepancies or escalates for assistance where required.
    Optimises current reporting processes and provides input into the development of reporting processes to meet timelines.

    Automates relevant production reports to improve the reporting, data extraction and information preparation processes through using appropriate scheduling toolsets.

    Reporting and Analytics process

    Extracts, stores, manipulates, processes, analyses and provides information for standardised and bespoke reporting.
    Continuously monitors and tests processes and data to detect errors in order to improve reporting efficiencies.
    Interprets data into information following collation of large sources of disparate data.
    Writes SAS/SQL coding in line with reporting requirements and as far as possible implements automated scheduling.
    Adheres to timelines for new and existing reporting requirements.

    Stays abreast of all changes of how the Customer Decision Engine (CDE) works to qualify and non-qualify customers for lending limits.

    Trend Analysis

    Analyses portfolio trends and any changes thereof followed by a detailed investigation to determine the root cause extracts the relevant account level data as input into portfolio reporting.

    Identifies and highlights data quality issues that affect the accuracy of insights and analytics.

    Keeps up to date with insights and analytics best practice to ensure new and improved designs and products provide improved value to stakeholders.

    Identifies and reports any portfolio risk appetite breaches across the countries. Prepares reports on ROE portfolio performance for the countries.
    Reconciles all the daily/weekly/monthly reporting outputs and resolves any issues identified (such as operational issues).

    Governance

    Adheres to approved toolsets when setting up portfolio management reports.
    Adheres to data governance principles as prescribed by the Enterprise Data Office (EDO).

    Knowledge sharing

    Upskills business teams on principles of data extraction, transformation and visualisation.
    Shares knowledge and information on data coding with the Country and Head Office Teams.
    Tracks usage of measurement tools created.

    Stakeholder Management

    Proactively communicates the progress of delivery of reporting requirements, where necessary.

    Discusses and negotiates timelines on reporting requirements (as it pertains to data) whilst ensuring regular standardised monthly requirements are still delivered (i.e.

    data extraction, manipulation and visualisation) and seeks line management approval where required if SLA's could be breached.
    Manages and resolves escalated queries regarding data anomalies that are detected that impacts accuracy of reporting.

    Qualifications
    Minimum Qualifications


    Type of Qualification:
    First Degree

    Field of Study:
    Business Commerce

    Experience Required
    Credit Risk – BCB

    Risk & Corporate Affairs

    1-2 years Comprehend the contingencies that may occur under exceptional conditions particular pertaining to assets of large cooperate organsitions.

    Customer interaction contribute to the understanding amongst Branch Business Support, the turnaround times that will influence and initiate improvement.

    3-4 years Knowledge of the Bank's systems, policies and procedures in order to optimally draw on available information to manage and control the post-credit granting process.

    Experience in credit data analytics within a personal and business banking environment with specific focus on the credit life cycle.

    Experience in (preferably credit) data exploitation and business intelligence development and implementation. Experience in the extraction, transformation and visualisation of data using bank approved toolsets e.g. SAS / SQL / Python / Qliksense.

    5-7 years experience pertaining to credit risk management, understanding the Bank's products and facilities and where risks lay in these facilities.

    Strong knowledge of various legislative requirements, including registration processes.

    Additional Information


    Behavioral Competencies:
    Articulating Information
    Examining Information
    Exploring Possibilities
    Generating Ideas
    Interpreting Data
    Managing Tasks
    Meeting Timescales
    Providing Insights
    Taking Action
    Team Working
    Understanding People
    Upholding Standards


    Technical Competencies:
    Banking Process & Procedures
    Compliance
    Creative Problem Solving
    Product and Services Knowledge
    Product Related Systems (Consumer Banking)
    Risk Identification
    Risk Management
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