QSSR-NCBA-PA-PORTFOLIO ANALYST
Kigali, Kigali, Rwanda
Full Time
Manager/Supervisor
Company name: NCBA
Job Title: Portfolio Analyst
Unit: Digital Business
Reports to: Head, Digital Business
Department: Digital Business
Grade: Band 4
Job Purpose Statement
This role is responsible for evaluation and identification of the areas of potential financial risks threatening Digital Business assets, earning capacity, or success of the organization, by performing financial analysis and validation activities with the objective of maximizing profits and asset growth, whilst minimizing operating losses and other risk exposures.
The role will be also responsible for developing business intelligence dashboards to inform decision-making and facilitate risk monitoring, and provide financial modeling to assess and predict profitability and performance of market products/services. They are also responsible for creating financial reports based on the impact of predictive modeling assumptions as well as developing various financial models and providing cost-benefit analyses for business and strategic opportunities, market share, and profitability.
The role is responsible for executing underwriting operations, including evaluation of credit risk proposals and recommending credit decisions and conditions for the success of the Market product, in a manner that drives and optimizes lending margins in alignment with the bank’s Risk Appetite and Business objectives.
SME in market research, financial and credit risk underwriting process design and assessment techniques in a highly digital and data driven environment, and will assist the department in the different roles and responsibilities in a manner that optimizes business margins.
Key Accountabilities
Job Dimensions (Reporting Relationships: jobs that report to this position directly and indirectly)
Direct Reports: Collection Officer
Indirect Reports: N/A
Stakeholder Management: key stakeholders that the position holder will need to liaise/work with to be successful in this role.
Internal
Decision Making Authority /Mandates/Constraints: N/A
Work cycle and impact: time horizon and nature of impact (Planning)
year)
Long Term Planning (1 year)
Ideal Job Specifications
Academic:
Ideal Job competencies (Technical Competencies)
Risk Assessment and Identification
Behavioral Competencies
Emotional Intelligence
Knows own strengths and limits; aware of own emotions and the effect they have on others and has the self-control to keep disruptive emotions and impulses in check.
Social and Cross-cultural Awareness
Interacts with people (colleagues, customers, stakeholders and the public at large) in different social and cultural environments, showing respect and positive regard for them in an ethical and appropriate that are consistently with the values of the organization.
Agile
Note: The deadline for the application is no later than Friday, November 1st 2024.
Only shortlisted candidates will be contacted
Job Title: Portfolio Analyst
Unit: Digital Business
Reports to: Head, Digital Business
Department: Digital Business
Grade: Band 4
Job Purpose Statement
This role is responsible for evaluation and identification of the areas of potential financial risks threatening Digital Business assets, earning capacity, or success of the organization, by performing financial analysis and validation activities with the objective of maximizing profits and asset growth, whilst minimizing operating losses and other risk exposures.
The role will be also responsible for developing business intelligence dashboards to inform decision-making and facilitate risk monitoring, and provide financial modeling to assess and predict profitability and performance of market products/services. They are also responsible for creating financial reports based on the impact of predictive modeling assumptions as well as developing various financial models and providing cost-benefit analyses for business and strategic opportunities, market share, and profitability.
The role is responsible for executing underwriting operations, including evaluation of credit risk proposals and recommending credit decisions and conditions for the success of the Market product, in a manner that drives and optimizes lending margins in alignment with the bank’s Risk Appetite and Business objectives.
SME in market research, financial and credit risk underwriting process design and assessment techniques in a highly digital and data driven environment, and will assist the department in the different roles and responsibilities in a manner that optimizes business margins.
Key Accountabilities
| Perspective | % Weighting | Output |
| Financial | 10 % |
|
| Internal business processes | 50% |
|
| Customer | 30% |
|
| Learning and growth | 10% |
|
Job Dimensions (Reporting Relationships: jobs that report to this position directly and indirectly)
Direct Reports: Collection Officer
Indirect Reports: N/A
Stakeholder Management: key stakeholders that the position holder will need to liaise/work with to be successful in this role.
Internal
- Business Partners: Customer Experience, Data Science, Product, Delivery Management, Finance and IT
- Group Audit, Enterprise Risk and Credit Risk Management and Finance
- Operations Team
- Strategic Partners
- Regulators
- Service Providers (Debt Collection Agencies, ICAs CRBs etc.)
- External Auditors
Decision Making Authority /Mandates/Constraints: N/A
- Structure customized Loans facility proposals, portfolio management processes and recommendations for Business and customers based on due diligence and SWOT appraisals, quality of customer profiles, related application and behavioral scorecard outputs, and debt collateral and financial strength.
- Design and implement digital first Portfolio Management strategy, process and MIS reports/Dashboards to inform decision-making and facilitate risk monitoring for assigned customer segments/products including Prioritization, Segmentation and Communication workflows
- Define and guide the collections and recoveries teams on best collection strategies based on data analysis and trends.
- Recommend and support new/existing product and process changes, and enhancements for optimal assessment, underwriting and credit risk margins.
- Approval of facility amendment requests under personal delegated mandates or via higher approval authority.
- Risk Classification and provisioning –ensure compliance with Credit Policy and Regulatory guidelines including stress testing. Review and recommend decision on exceptions.
- Monitor and make recommendations on market specific debt collection trends.
- Set thresholds for stress testing and monitoring and mitigating against operational and fraud risks
Work cycle and impact: time horizon and nature of impact (Planning)
year)
Long Term Planning (1 year)
- Support the design and implementation of digital first Credit Assessment and Evaluation processes
- Definition, documentation and testing of the e2e Portfolio Management Processes for assigned new/existing portfolios and or process enhancements from product design phase
- Design and implement evaluation, underwriting and monitoring models for assigned portfolios
- Assessment, underwriting and structuring customized recommendations for allocated portfolios
- Monitoring of portfolio performance and MIS reporting (Management/Regulatory) based on pre-defined guidelines and thresholds
- Quality Assurance Management through regular review and enhancement of processes, data quality, exceptions management and covenant processing
- Development and management of partner engagement procedures and workflows for assigned portfolios
- Cascade collections and recovery strategy recommendations to the Collections Team based on outcome of data analysis
Ideal Job Specifications
Academic:
- University degree preferably in Actuarial Science, Statistics, Economics, Finance or Business Administration or related fields.
- Proficiency and Practical experience in data analytics and use of relevant MIS, BI & MS Office applications and statistical computer languages e.g. SQL, R and Python.
- Strong IT skills and experience with office automation tools
- Strong financial modelling, analytical and problem-solving skills with an emphasis on data science and risk management.
- Knowledge of a variety of machine learning techniques (clustering, decision tree learning, artificial neural networks, etc.) and their real-world advantages/drawbacks.
- Knowledge of advanced statistical techniques and concepts (regression, properties of distributions, statistical tests and proper usage, etc.) and experience with applications.
- Excellent written and verbal communication skills for coordinating across teams.
- A drive to learn and master new technologies and techniques.
- Project Management and Supervisory skills.
- Interpersonal skills to effectively communicate with and manage expectations of internal customers and other stakeholders who impact performance.
- Decisive and solution focused. Possess strong analytical skills with the ability to collect, organize and analyze significant amount of information with attention to detail and accuracy.
- Demonstrated ability to synergize, prioritize and drive results with a sense of urgency
- Self-motivated with a strong inquisitive mindset and quest for learning
- Self-empowerment to enable development of open communication, teamwork and trust that are needed to support true performance and customer-obsessed oriented culture.
- 3 years of experience covering credit management and/or portfolio analysis.
- Experience with portfolio management and reporting in a highly automated environment.
Ideal Job competencies (Technical Competencies)
Risk Assessment and Identification
- Skilled at qualitative internal and external stakeholder interviewing and engagement.
- Excellent at deriving key insights and patterns from stakeholder interviews and using that input to identify gaps and clarify problem statements.
- Skilled at-risk identification, mapping, to break gaps down into quantifiable KRIs. Excellent at collaborating with Customer, Product, Tech and Process flow Design to bring potential risk management solutions to life.
- Candid knowledge of the financial sector and risk management guidelines as well as current banking operations practice.
- Excellent at breaking issues down into risk points within product and process flow design.
- Deep familiarity with digital business products and the relevant business processes Excellent use case and requirements development skills.
- Able to elevate performance of the bank through excellent ORM outputs
- Must be able to read and analyze financial scorecards and documents including tax returns, bank statements, financial statements, and credit reports.
- Ability to understand the financial condition of individuals and businesses based on reporting details and basic understanding of how consumers and businesses operate financially across different industries.
- Apply business and economics knowledge to evaluate, manage, and advise management on financial risks.
- Able to manage internal partnerships and external partners to optimize cost of risk
- Capable of representing Digital Business internally and externally at stakeholder meetings.
- Solid presentation skills at all levels of the company.
- Appropriately influences & persuade others to a course of action.
- Aligns team with larger NCBA Group Risk Management and Loop DFS vision and goals. Able to translate and align strategy in a meaningful way for team, building a shared understanding of team goals and targets.
- Uses situational leadership techniques to provide appropriate level of guidance and latitude to team members.
- Adept at caring personally for team members and providing candid real-time feedback.
Behavioral Competencies
Emotional Intelligence
Knows own strengths and limits; aware of own emotions and the effect they have on others and has the self-control to keep disruptive emotions and impulses in check.
Social and Cross-cultural Awareness
Interacts with people (colleagues, customers, stakeholders and the public at large) in different social and cultural environments, showing respect and positive regard for them in an ethical and appropriate that are consistently with the values of the organization.
Agile
- Able to change plans, methods, opinions or goals in light of new information, with the readiness to act on opportunities. Highly effective in adapting to differing environments.
- Inculcates a digital mind-set in the organization, institutionalizing cross-functional collaboration, flattening hierarchies, devolving decision making to smaller teams, and building environments that creatively partnering with external companies to extend necessary capabilities to encourage the generation of new ideas and developing more iterative and rapid ways of doing things.
- Implements incentives and metrics to support such agility
- Have a strategic approach to personal and professional development actively seeking feedback from others to which they will respond by establishing self-development goals.
- Seek to experience a range of relevant career opportunities in the context of a long-term plan enabling them to deliver the truly outstanding contribution required.
- Enjoys being measured, and judged by financial and other performance targets. Optimal balance between risk management and business driven mindset in alignment with Business and Risk objectives.
- Perseverance, solution oriented and proactive style to drive cross-functional initiatives forward. Delivers results and has significant impact on an organization through the teams managed.
- At a basic level, are proactive, never reactive, and don’t need to be told what to do. At the highest, will recognize and bring into the organization significant opportunities where technical solutions and risk optimization opportunities meet to create strategic advantage.
- Is not afraid to speak their mind and is always prepared to raise difficult issues with others in the face of actual or expected opposition from colleagues.
- Be personally robust and self-confident in pursuit of their objectives for the customer segment and the organization.
- Maintain a positive "can-do" attitude to achieve what they know needs to get done.
- Capable of developing a sound understanding of the motives, needs and concerns of others and develop a deep understanding of their complex stakeholder network. Can anticipate the motives and expectations of others effectively.
- Team members feel included, valued, and trusted, such that they work effectively with each other and with other teams.
- Has the emotional intelligence to understand and manage own and other’s emotions.
Note: The deadline for the application is no later than Friday, November 1st 2024.
Only shortlisted candidates will be contacted
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