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Credit MIS Manager (Expiration 16/12/2018)

Job Purpose
• Development and generation of the retail credit reports and analysis that cover the retail credit lifecycle and regulatory risk requirements. Support policy team to design strategies and sourcing criteria for existing and new retail credit products and activities. Support other units namely Collections, Finance, and Business teams with relevant and timely reports for Retail Risk reporting and Cross sell opportunities.
Main accountabilities and approximate time split
Credit Life Cycle Reporting 
Time Split 20% • Develop MI cubes with sufficient data required to monitor the retail lending portfolio across different stages : Through the door analysis, vintage delinquency, portfolio delinquency & recoveries
• Develop portfolio pivots that support the Policy team in carrying out detailed segment level performance reviews
• Complete monthly & quarterly risk reporting requirements to CBE, Finance & Group Risk
Impairment & Forecasting 
Time Split 25% • Build loss forecasting methodologies for Retail business, calculate impairments & risk indicators based on given models
• Update & monitor the Retail PD & LGD based on models approved by Group Risk
• Provide required annual review packs to Group risk for the impairment PD & LGD models
• Generate the monthly list of accounts eligible for write off for both cards & loans.
• Participate in the different forecasting exercises : Weekly flash, monthly collections targets setting, STP & RAF
Credit Scoring 
Time Split 5% • Act as a primary back up handling the scoring related functions in case of scoring Manager absence
Monitoring & control 
Time Split 15% • Maintains data integrity by reconciling MI and figures against independent sources
• Evaluate the performance of champion/challenger strategies designed to maximize value through manipulation of credit limits, authorization control and risk-based pricing, among others
• Complete and update the team manuals with existing and new report specification and definitions.
Line Management 
Time Split 20% • Develop & enhance monthly pre-approved lists for loans sourcing, cards installments & cards automatic limit increase / decrease programs. 
Process Enhancement 
Time Split 20% • Continuously challenge & improve the methods used for data extraction & manipulation to optimize risk reporting
• Design the validation and integrity check process in order to avoid any reporting error.
Staff Management 
Time Split 5% • Review individual performance against agreed objectives (self).
• Develop and agree individual performance standards and targets (self).
• Explore new improved and alternative ways of doing business, transfer the know-how to others in the department to make them the new departmental standards.
• Identify own training and development needs and recommend plans to satisfy those needs. 
Technical skills / Competencies
• Extensive knowledge in data management and analysis of Retail Banking
• Advanced knowledge of financial and economic principals, present value and break-even analysis
• Excellent numerical, analytical and statistical skills
• Intermediate SAS programmer, able to work fluently with various large data sets
• Excellent Computer skills
Knowledge, Expertise and Experience
Knowledge, Qualifications/ Experience:
• Advanced knowledge of business drivers and issues in an unsecured lending business
• Wide-ranging Retail Banking knowledge
• Minimum 4 years of retail risk management experience
• Degree in Management Information System, statistics or Finance


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