Manager/Senior Manager - Credit Risk Strategy Development - BFS

RESPONSIBILITIES :

High level Role Description :

- Conduct portfolio analytics and deep dives as required by country/regional/Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Mgmt and Collections.

- Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses

- Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions

- Provide analytical support to various Risk Reviews, perform adhoc analytical requests to support policy changes

- Participate in selective strategic initiatives to build and enhance Group's in-house analytics capabilities; Research on emerging trends in analytics industry

- Embed Bank's risk management and decisioning framework in day-to-day work, ideate / self-initiate necessary analytics to drive portfolio performance

- As per TOM supervise and coach team members for effective project delivery

Competency expected in role :

- Strong logical reasoning ability. Ability to perform various industry standard complex statistical analysis in relation to credit risk problems

- Ability to work with data organized across platforms and formats (DB2 tables, SAS datamarts, Excel spreadsheets, text files)

- Ability to blend in existing BAU analytical projects and processes in a seamless manner

- Ability to bring out meaningful and actionable insights from unstructured data

- Maintaining the desired quality of analytics within stipulated timeframe

 
- Ability to work with multiple departments and stakeholders within the Bank to achieve end results

- Ability to lead team members across multiple project assignments, while delivering on own projects

Key Stakeholders :

- Regional Credit Officers/CROs

- Country Credit Head

- Regional/Country Business Segment Heads

- Global Head - Credit Risk Management (Retail)

- Head of CRM Analytics

Key Measurable :

- No direct business targets on asset growth or portfolio profitability

- Timely and accurate analytical insights to support good portfolio growth and optimized risk return decisions

- Process governance as per organizational standards

- Effective people management of direct reports (if applicable)

COMPETENCIES :

SKILLS FRAMEWORK :

- Grow Self- Applicable for all roles.
 
- Action Oriented : Taking on new opportunities and tough challenges with a sense of urgency, energy and enthusiasm.

- Collaborates : Building partnerships and working collaboratively with others to meet shared objectives.

- Courage : Stepping up to address difficult issues and saying what needs to be said.

- Customer Focus : Building strong customer relationships and delivering customer-centric solutions.

- Instils Trust : Gaining the confidence and trust of others through honesty, integrity and authenticity.

- Nimble Learning : Actively learning through experimentation when tackling new problems. Using both successes and failures as a learning factor

- Grow Others : Applicable for all People Leader roles (as a minimum standard) and other roles where relevant.

- Decision Quality : Making good and timely decisions that keep the organisation moving forward. Not Applicable

- Develops Talent : Developing people to meet both their career goals and the organisation's goals. Not Applicable

- Drives Vision & Purpose : Painting a compelling picture of the vision and strategy that motivates others to action. Not Applicable

- Gives Clarity and Guidance : Providing direction, delegating and removing obstacles to get work done. Not Applicable

- Grow Bank : Applicable for all Managing Director roles (as a minimum standard) and other roles where relevant.

- Manages Ambiguity : Operating effectively even when things are not certain or the way forward is not clear. Not Applicable

- Strategic Mindset : Seeing ahead to future possibilities and translating them into breakthrough strategies. Not Applicable

ROLE SPECIFIC TECHNICAL COMPETENCIES :

- Analytics experience Advanced

- SAS, SQL Expert

- Communication Skills Advanced

- Office tools (Excel/ PowerPoint) Core

- Project Management Skills Core

- P&L forecasting & Understanding data structure Advanced

- Predictive Modelling, Machine Learning Core

- Analytical Tools (Python,R, SAS Eminer, Knowledge Studio) Core

- Financial Services products, in particular Retail Banking : Advanced

QUALIFICATIONS :

- Training, licenses, memberships and certifications

- Advanced degree (preferably Masters) in a Quantitative Discipline (e.g. Math, Stat, Eco, Engineering, Finance, MBA)

- 5-10 years desired relevant work experience

VALUED BEHAVIOURS :

- Do the right thing: Be brave, be the change; Think client; Live with integrity

- Never Settle: Continuously improve and innovate; Simplify; Learn from your successes and failures