Credit Portfolio Manager

About the role

The Credit Portfolio Manager is part of the Retail Credit Risk management team and will oversee the overall management of assigned credit portfolios. The role also includes training and managing team members and collaborating with sales, product, credit operations and IT stakeholders.

Key responsibilities

• Ensure quality of Retail & Business Banking credit portfolios across the full credit life cycle, including product planning, credit initiation, account maintenance, fraud management, analytics, modeling, collections and recoveries.
• Develop and implement credit risk strategies, prospect targeting, exposure management, and remedial actions for poorly performing accounts.
• Contribute to risk appetite setting, product reviews, and management of impaired debt portfolios.
• Lead scorecard reviews, sampling, and portfolio quality reviews to maintain credit standards.

Required profile

• Business degree in mathematical finance, actuarial science, economics, statistics or related field.
• Comprehensive technical credit skills and general commercial/industry awareness.
• Working knowledge of risk management policies, procedures, pricing and group credit strategies.
• Experience in leading and developing teams, people management and performance development.

Required skills

• Credit risk analysis and management.
• Analytics and modeling techniques.
• Scorecard development and review.
• Sampling methodology for credit quality assurance.