Credit Portfolio Manager

Requirements

• Education: Bachelor’s degree in any discipline including Risk Management, Finance, Business, Economics, or any other related field
  
• Experience: At least 7 years’ experience in Credit Portfolio Management within the Financial Services Industry
  
• Certifications: MCP, ACIB, ICAN, Data Analytics/ Science Certifications etc.
  
• Knowledge: Understanding of the business drivers and the strategic direction of the institution and role of risk management in achieving the objectives
  

• Conducts a daily/weekly/monthly review of the loan book including the arrears position and advice management on the progress of collections/recovery.
  
• Deliver weekly and monthly collections and portfolio performance reports, including metrics such as collection rate, PAR ratio, loan bucket classifications and loan loss provisioning.
  
• Develop and prepare annual credit portfolio plan using historical data and projections.
  
• Monitor and coordinate all credit portfolio monitoring and management activities for all products.
  
• Identify and analyze non-performing loans with trend analysis and credit portfolio insights.
  
• Prepare CBN credit reports on monthly basis to determine loan loss provisioning in line with the prudential guidelines.
  
• Identify and advise on all delinquent accounts that require legal proceedings on a regular basis.
  
• Prepare regular credit reports for Senior management and Board to aid decision making.
  
• Ensure that all operational & credit portfolio policies and procedures are adhered to by all stakeholders.
  
• Develop and implement effective credit portfolio reports for all the different products to give insights to management for decision making.
  
• Using data analytics tools, prepare and analyze data to identify migration patterns, collection trend, delinquency trends, credit portfolio performance and develop action plans to address identified issues.
  
• Develop and execute strategic collection plans to reduce delinquency rates and enhance repayment/remittance.