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Scope and Impact

• The Portfolio Risk Analyst examines and analyzes the mix of company loan product activities, with the purpose of making decisions that are expected to improve overall return.
• He/she is primarily tasked with conducting detailed portfolio analysis and reports on loan and lease portfolio to anticipate, identify and mitigate credit risk exposure related to portfolio management activities in the organization.
• He/she will be grossly responsible for offering risk management analysis on business portfolio and research into business expertise area.

Job Summary

• The Portfolio Risk Analyst will determine risks and opportunities within credit portfolio processes and strategy, conduct risk analysis, track trends, understand risks associated with all product portfolios and create corresponding reports on projects, documenting same accordingly to present to senior management.
• He/she is also responsible for overseeing the credit collection unit, ensuring that appropriate steps are taken to collects payments on debts, all payments data are well recorded and subsequently, using the generated data to the perform the necessary analysis and provide corresponding reports.

Duties & Responsibilities

• Analyses transactional risk measures including defaults, correlations and stress losses to enhance concentration risk views.
• Estimates the probability of defaults, loss given default in order to validate risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management.
• Identifies adjustments required to risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management.
• Analyses and monitors the company’s lease portfolio.
• Assessing all other credit risks and making recommendation.
• Periodically analyses quantitatively and qualitatively the loan portfolio of the company based on sector concentration, volume concentration, product concentration, etc.
• Periodically performs default/principal at risk assessment, measuring the impact of guarantors/collaterals and impact of group loan on risk exposure.
• Monitors compliance to credit and risk policies of the company.
• Prepares report on analytics of portfolio performance, emerging trends and areas of opportunity.
• Prepares comprehensive report on all repossessed lease assets identifying principal outstanding, loan-assetvalue, number of rentals outstanding, date asset is expected to be disposed and estimation of depreciation in asset value.
• Mitigates credit risk exposure related to portfolio management activities.
• Prepares report on probability of default using information from direct debit, cheque lodgement report and returned cheque report
• Suggests initiative to ensure consistency and compliance with credit policies and improve credit qualities.
• Proposes evolutions in the policy, process, procedure, methodology, collaterals related to the risk identified.
• Makes recommendations for process improvement, addressing gaps and areas for additional or improved reporting and data.
• Responsible for training the department on identified trends and recommendations.
• Responsible for compiling and evaluating information needed to collect delinquent accounts, supervise field collections and perform other collection duties as required.

Qualifications / Requirements

• A Bachelor’s Degree in Accounting, Finance or a related field.
• Advanced Degrees, Certifications and / or professional membership will be an added advantage
• Minimum of 5 years working in similar field, with cognitive experience as a Portfolio risk Analyst.
• Good understanding of industry laws and regulations
• Excellent organizational and leadership skills
• Ability to present and communicate analysis and recommendations
• Ability to measure financial data to evaluate financial performance and position

Job Knowledge:

• Knowledge of all practices and procedures involved in credit and risk management.
• Expert experience handling and working efficiently with Microsoft Office Suite, Google
• Suite and other statistical and analyticalsoftware.
• A good understanding of business trends, situations, practices, procedures and models.
• Ability to review, analyze and report credit and risk activities.
• Knowledge of all practices and procedures involved in credit and risk management and how they can be implemented in a way that minimizes financial loss.
• A track record of proven experience in the above key accountabilities, specifically within a high volume and fast paced environment.
• Proven track record of experience in supervising, leading and coaching a team within a busy and effective credit control, collections or debt risk analysis function.
• Extensive collection and portfolio risk analysis experience with a financial institution
• In-depth knowledge of financial rules and guidance covering financial reporting in relation to Portfolio analysis.
• Excellent use of Microsoft office packages.

Skills / Competencies:

• Ability to review, analyze and report credit and risk activities and data in a way that is easily understood to make better decisions.
• Ability to identify gaps within the credit policies.Ability to anticipate and identify financial and economic trends as regards loan and lease portfolio.
• Ability to measure financial data to evaluate financial performance and position
• Demonstrates a commitment to teamwork through own actions.
• Ability to communicate complex concepts and issues effectively.
• Demonstrates high standards of conduct which are not compromised even under highly stressful circumstances.
• Ability to handle and work efficiently with Microsoft Office Suite, Google Suite and other statistical and analytical software or application especially Microsoft Excel and PowerPoint.
• Fosters a climate that supports respect for others
• Ability to function within defined guidelines and procedures to resolve routine issues
• Demonstrable ability to understand business trends,situations, practices, procedures and models
• Motivates team members to achieve their personal and professional best.
• A good ability to present and communicate analysis and recommendations to business leaders by supported facts.

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Job Summary

• The Head Business Operations has the primary responsibility of managing all business operations and setting goals across the organization.
• Tracking business results, performing cost-benefit analyses and monitoring business KPIs is critical to the role.
• The Head of Business Operations will drive operational excellence, manage business risks, optimize processes and resources, monitor business performance, and contribute to the strategic direction of the organization.

Duties and Responsibilities

• Strategic Planning: Developing and implementing the overall strategic direction and operational plans for the organization, aligning them with the firm goals and objectives.
• Business Process Improvement: Identifying opportunities for process optimization, efficiency enhancements, and cost reduction across different operational areas.
• Risk Management: Assessing and managing operational risks, including compliance, regulatory requirements, and internal control frameworks.
• Monitor financial data and recommend solutions that will improve profitability.
• Coordinate with the HR department to ensure hiring plans meet business needs.
• Financial Management: Collaborating with finance teams to develop and manage budgets, monitor financial performance, and analyze financial reports.
• Operational Excellence: Driving operational excellence initiatives to enhance productivity, customer satisfaction, and service delivery. This may involve developing and monitoring key performance indicators (KPIs), setting performance targets, and implementing continuous improvement practices
• Regulatory Compliance: Staying updated with relevant regulations, industry standards, and legal requirements.
• Reporting and Analysis
• Crisis Management

Requirements

• Minimum education level – First Degree in Business, Management Science, Administration or other relevant field from a reputable academic institution.
• A Master’s in Business Administration, post-graduate qualification(s) or professional membership is relevant.
• 7+ years of experience in Business Management.
• Proven experience working within the financial sector.

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