Personal Banking Portfolio Analyst At Stanbic IBTC
To provide deeper insight into the PB portfolio via use of financial models and advanced analytics which protect and unlock value in the portfolio.
KEY RESPONSIBILITIES / ACCOUNTABILITIES
§ 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.
KEY PERFORMANCE MEASURES
§ 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.