Job:Portfolio Manager - 90096196
Primary Location:TZ-Dar es Salaam-Dar es Salaam
Job Type:Permanent/Regular
Posting Range:27 Oct 2016 - Ongoing
Job Purpose
Responsibility for the management of the portfolio(s) across the Credit Life Cycle in aggregate, which comprises of the following
• Product Planning
• Credit Initiation
• Account Maintenance
• Fraud Management
• Collections & Recoveries
• Responsible for developing and adhering to business mandate and scale triggers for all products
• Setting of product risk appetite and strategies
• Policy formulation / circulars – owner of the portfolio Risk policies and Procedures and Manuals
• Provide input into developing and review of Portfolio modelling
• Analysis of management Information with appropriate recommendations to the Head of Credit
• Liaison with product/business managers and owners
Initiate, agree and monitor Collection and Recoveries strategies
• Accountability for all Credit scorecard design, implementation and review Input into Junior Consumer Credit Risk staff Performance development
• Agree and be responsible for all change initiatives in portfolio
Key Responsibilities
30-40% – Credit Risk Management Time Split
In collaboration with the business counterparts, develop, implement and maintain credit risk strategies to optimally manage the performance of the portfolioReview and Implementation of credit policy and processes. Feed into business and credit policy development.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.Challenge pricing and profitability models in order to maximize value.Design, implement and maintain generic strategies for appropriate remedial action on poorly performing accounts in the portfolioActively manage the performance of the portfolio(s) within agreed risk appetite.
30 - 40% – Portfolio Management Time Split
Manage the portfolio within agreed risk appetite.Formulate strategies that drives growth while maintaining an acceptable level of risk to achieve agreed performance targetsDevelop a strong Risk/COO/Consumer Business partnerships
10 – 20 % – Leadership Time Split
Develop a highly motivated team of portfolio analysts maintaining excellent relationships within own team and wider business to ensure achievement of business goals.Consider the training and development needs of the team and support the development and implementation of solutions.Ensure effective performance development and succession planning for the team.
Technical Skills/Competencies
• Strong intellect balanced by practical and pragmatic approach
• Decisive
• Strong internal and external networking
• Analytical
• Risk Management
• Business Management
• People management and coaching
• Communications (written and oral) and presentations
• Effective negotiation and influencing
• Strong Lending skills
• Influencing
Application Instructions
Online application, Click HERE to APPLY
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