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Personal Banking Portfolio Analyst At Stanbic IBTC

Date Posted: 29/Mar/2014
Deadline: 11/Apr/2014
  • Specialization Admin / Finance
  • Industry
  • Experience 0 year(s)
  • Location Nigeria

Position Description

To provide deeper insight into the PB portfolio via use of financial models and advanced analytics which protect and unlock value in the portfolio.

§ Development and maintenance of financial models to provide deeper insight into the portfolio.
§ Provision of in-depth data analysis, trending, forecasting and reporting to provide meaningful management information to be used in the day to day decision making process.
§ Monitor, analyse and report on any underlying reasons for changes and shifts identified in the portfolio financials and facilitate understanding of this to key stakeholders.
§ Provide analytical support to the centre portfolio team on a routine and ad-hoc basis with the view to finding patterns in data to explain portfolio performance trends.
§ Assist with ad-hoc requests, risk appetite and product papers for parent country as well as other regional countries where necessary.
§ Provide accurate and timely routine periodic portfolio reporting packs at agreed frequencies.  
§ Good understanding of the business needs and strategies.
§ Constantly challenge established thinking and facilitate improvements in systems and processes.
§ Make recommendations on an on-going basis on the Risk Appetite

§ Accurate and timely data analysis to identify variances and inconsistencies,
§ Development of models to perform:
o Loss forecasting using single and multiple variables,
o Champion Challenger
o Cohorts Analysis
o Flow Rates Analysis
o Trend Analysis
§ Understanding of key credit budgets and business rules within country as well as Africa Credit.
§ Monthly budget and forecasting and identification of trends within portfolios and countries.
§ Complete and present accurate analysis of results and make robust recommendations to the Portfolio Manager, Head PBB Credit and Business Head on findings.

§ Providing meaningful answers that assist in insight generation to questions 
o “What is the face of my NPLs”, 
o “Why are we taking on too much/little risk in the portfolio” 
o “What are the lead indicators of Pre-NPLs in the portfolio” 
§ Profitability of the portfolio as reflected in optimal returns achieved on the portfolio comparative to the risk the Bank is undertaking.
§ Improved decision making capability for strategic decisions on the portfolio by using a fact based and hypothesis driven approach.
§ Decrease in credit losses due to early detection.
§ Effectiveness and functionality of scorecards. 
§ Accuracy, timeliness, effectiveness, robustness, granularity and predictiveness of portfolio reports.
§ Accuracy of the analysis prepared for and used by the Portfolio Managers.
§ Portfolio performance as reflected by key triggers including NPL as a % of total portfolio, pre-NPLs as a % of total portfolio, provision adequacy, credit loss ratio, cost of credit, margin cover, etc.
§ Level of support to portfolio growth as reflected in enhancements to product parameters, campaigns, test and learn initiatives, etc.
§ Operation of portfolio within agreed Risk Appetite as reflected in averting of risk appetite breaches, and prompt regularization of same where they occur.


Method of Application

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