Manager, Digital Lending Portfolio Management at I&M Bank

Job Purpose

• This role is responsible for executing underwriting and credit operations, including conducting lending analysis, recommending credit decisions, managing credit operations for ecosystem partnerships.

Portfolio Analytics:

• The role holder is responsible for driving lending margins by evaluating credit risk proposals and making recommendations that influence business decisions, that align with the Business Model and Risk Appetite and Business objectives. 
• They are 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 all products and/or services in the unit. 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. 

Lending Operations:

• The role will be the lead on Lending Operational areas to ensure the recovery of the Debt Portfolio, Management & Reconciliation of Funds allocated to product portfolios in partnership with the partners we work with to deliver various products.
• They should have a passion for discovering solutions hidden in large data sets and working with stakeholders to improve credit performance outcomes, reviewing, compiling, and analyzing daily and monthly portfolio monitoring and collections reports, identifying data patterns and trends from available information sources.

Overall:

• They will assist the Head of the unit to guide other team members in their roles and responsibilities in a manner that optimizes credit risk margins and operational risk.
• They will also be the guide and focal point for all matters credit, finance and customer operations related to partnerships and liaise with internal stakeholders like Credit Risk, Finance etc.
• He/she will ensure full compliance with The Group Credit Policy, Banking Act, and CBK Prudential Guidelines, Credit Reference Bureau (CRB) Regulations, and Co-operation Agreements across all partnerships.

Key Responsibilities

• Establish and review risk tolerance thresholds based on Risk Appetite, manage and escalate exceptions to guard the bank against unacceptable credit losses arising from breach of KRIs 
• Within above thresholds define portfolio management covenants and targets with the various partners.
• Monitoring covenant and targets and agreed KPIs compliance and account performance to ensure risk stays within agreed thresholds.
• Monitor key portfolio performance trends to ensure strong portfolio credit quality with a good balance of risk and reward to optimize Business opportunities and in line with business strategy and risk appetite

Customer

• Work in close collaboration with the Business Teams to achieve the following for assigned portfolios
• Regular quality reviews with partners and provision of analytics insights to identify risks/ opportunities and recommend relevant actions
• Drive portfolio management, collections and recoveries initiatives through the credit cycle management framework together with the partners

Internal Processes

• Support new initiatives through use of data analytics to develop and propose credit risk strategies
• Define a framework for credit risk and portfolio management for the ecosystem and strategic partnerships
• Identify and articulate inherent risks associated with lending propositions.
• Assess the effectiveness and accuracy of new data sources and data gathering techniques.
• Guide and lead design and implementation of digital first Credit Assessment and

Evaluation processes

• Design, develop and implement financial models for decision support including predictive modelling to increase and optimize collections and recoveries, customer experiences, revenue generation, ad targeting and other business outcomes.
• Review partner models for alignment with internal risk appetite and frameworks

Enablers

• Ensure unit functions are executed in the most efficient way possible, leading to the overall efficiency of the team to meet business goals.
• Foster continuous learning and job enrichment for high performance for team (where applicable)
• Continuous demonstration of innovation using data to identify and develop high growth strategic partnerships
• Design and maintain a functional structure that is best suited and adaptive to the commercial strategy. (where applicable)

Job Specifications

Academic Qualifications

• Bachelor’s Degree in a business field
• Professional Qualifications / Membership to professional bodies/ Publication
• Relevant professional qualifications. 

Work Experience Required

• Over seven (7) years’ relevant experience with two (2) year's team leadership in a similar organization or industry.
• Experience in digital credit policy conceptualization, underwriting, operationalizing, and monitoring.

Competencies:

• Experience in digital lending and fintech
• Executive disposition and demonstrate high levels of integrity.
• Strategic and innovative with the ability to sell the vision of the Bank.
• Business/Financial acumen, business savvy and innovative
• Ability to develop long-term integrated and cross-functional operational plans
• Strong leadership skills
• Good negotiation skills
• Strong commercial acumen