(LDC) Manager - Provisions Profitability and Risk Appetite.Finance

<p>Credit Risk Analytics forms part of the wider Credit Risk and Billing environment within MTN Finance. We are responsible for risk analysis across the entire credit lifecycle of the post-paid customer base, including consumers as well as businesses. Furthermore, the team is responsible for provisions modelling and modelling and analysis that supports the setting of the post-paid credit risk appetite and credit book management. Other analyses done within this team support fact-base decisioning within the credit vetting process, billing, debt collection as well as other credit risk management activities.</p><p>Job Requirements (Education, Experience and Competencies)<br>&nbsp;</p><p>Education:<br>• Honours degree in Advanced Mathematics/Business Mathematics/Statistics/Risk Management<br>• Programming courses and qualifications/certifications will be advantageous<br>&nbsp;</p><p>Experience:<br>• At least 5 years’ working experience in the telecommunication industry or relevant finance industry<br>• 5 years’ work experience in Credit analytics and modelling<br>• Experience in risk-based pricing modelling advantageous<br>• At least 2 years’ experience managing people<br>• Software: Oracle SQL, SAS, Power Bi, R, Python, Presto/Hive</p><p>Limited Duration Contract (LDC)</p><p>Key Performance Areas: Core, essential responsibilities outputs of the position (KPA's)<br>&nbsp;</p><p>Provision Model Management<br>• Manage and guide the technical soundness and accuracy of our IFRS9 modelling<br>• Monitor provisions and model parameters,<br>• Oversee monthly provision runs, periodic recalibrations and submissions to external audit</p><p>Profitability model analysis and monitoring<br>• Manage, lead and guide analysis to support the setting and maintenance of credit risk appetite using our profitability models to ensure that acquisitions is supported by business rules that lead to a balance between risk and reward per the MTN strategy<br>• Manage the monitoring of cash receipts and profitability levels per risk segment within the portfolio<br>• Provide insight and input into collection targets and pricing.<br>&nbsp;</p><p>Budget Management<br>• Forecast, plan, and review budget for business unit in line with the overall division<br>• Manage and optimise the budget, ensuring all expenditure is in line with the agreed budgets<br>• Monitor costs and determine initiatives to optimize resources<br>Document Management<br>• Formulate and implement a strategy to maintain an up-to-date retention of records process for provisions, profitability &amp; risk appetite<br>• Ensure that all relevant documents are retained in accordance with legislative requirements</p><p>Quality Management<br>• Formulate effective methods and standards to deliver the credit analytics strategy<br>• Ensure that the departmental projects, are delivered within the agreed timelines and in accordance with agreed quality standards<br>• Consider and recommend enhancements for project performance and processes and initiate remedial action where defects are evident<br>&nbsp;</p><p>People and Culture<br>• Maintain a department organisational structure sufficient to meet all goals and objectives aligned with the MTN credit analytics strategy<br>• Responsible for the full HR function of the provisions, profitability and risk appetite Department<br>• Manage, train, up-skill, motivate, retain, and recruit staff<br>• Measure department performance with appropriate metrics</p><p>• Provide for ongoing training of provisions, profitability and risk appetite staff<br>• Compile monthly departmental performance reports<br>&nbsp;</p><p>Supervisory / Leadership/Managerial Complexity: Refers to the responsibilities for directing, guiding, motivating and influencing others.<br>• Recruit, develop and retain people with the required skills, qualifications and potential<br>• Define the departmental KPAs and KPIs<br>• Performance management and identification of training needs<br>• Contribute toward a customer centric culture<br>• Build talent by identifying and developing new leaders for the respective environment<br>• Employee relations and collaborative teamwork<br>• Manage Employment Equity and diversity<br>• Coaching and guidance of subordinates<br>• Build professionalism, loyalty and commitment to the organisation<br>• Communicate actively and effectively resolving any potential conflicts that may arise<br>• Living the MTN Brand – influence employees’ behaviour</p><p>Required Skills &amp; Capabilities e.g. teaching, report writing or specific skills/abilities such as computing or the ability to work without supervision<br>• Confident and experienced in IFRS 9 provisions modelling and monitoring<br>• Sound knowledge of the IFRS 9 Standard<br>• Adaptability to various platforms and programming languages<br>• Knowledge of the regulatory and legislative requirements<br>• Proficient with Microsoft Excel, Word and PowerPoint<br>• Strong interpersonal skills including good written and oral communication<br>• Good analytical, problem solving and conflict management skills<br>• Strong analytical ability<br>Key Deliverables<br>• Completion of departmental projects within agreed time frames<br>• Customer satisfaction<br>• Continuous improvement of profitability and provisions models and related monitoring<br>• IFRS9 provisions estimates and data submissions to external audit</p><p>• Achievement of departmental performance targets<br>• Alignment with Corporate Credit &amp; Risk strategy<br>• Efficient and effective operational processes and procedures<br>• Optimal staffing to deliver on departmental KPAs<br>• Effective management of relationships with internal and external business partners&nbsp;</p><p>&nbsp;</p>