Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

• To perform and deliver various Credit Risk activities across the different aspects of the life-cycle of Credit Risk Management, including originations, account management, collections and payments for a dedicated Portfolio. This is essential in order to contribute to manage risk, achieve targets and align to best practices. Conduct in-depth analysis to ensure that the Portfolio's products and services adhere to all relevant legislation and regulations.
• Actioning all identified credit controls events and defaults in order to reduce the roll rate of non performing loans into lock up portfolio.
• Perform detailed analysis and monitoring of the effectiveness of the strategies across the Credit Risk Management value chain, with the objective of improving existing Portfolio performance and increasing profitability.
• Implement system changes with specific focus on testing in order to optimise profitability of the Portfolio.
• Design solutions to business challenges with input and support from various stakeholders in order to obtain approval from the relevant forum / committee.
• Develop a thorough understanding of the root cause of a specific problem in order to develop the appropriate solution through data mining, past experience, interactions with subject matter experts and conducting research.
• Continually review recent portfolio performance from month and quarterly monitoring to identify areas of improvement and make recommendations.
• Attend monthly monitoring meetings to understand the impact of any movements on the execution of the Credit Risk Management strategy.
• Create reports by accessing relevant Portfolio data systems that produce portfolio insights and business intelligence to support business strategy across the credit life cycle.
• Develop an in-depth understanding and knowledge of available data, ensuring the data is fit for use from a quality perspective and is effectively managed. Bring business context and knowledge

Qualification

•  BSc in Computer Science, Software Engineering, and Information Systems.
• BSc in Statistics, Data Science, and Computer & Statistics.
•  BSc in Mathematics and Computer Science.

Knowledge

• The ability to build, analyze and interpret quantitative models to determine potential risk exposure.
• Demonstrates knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk.
• The ability to analyze call volumes and call routing in order to determine workforce deployment and flow of calls.
• The ability to facilitate the creation and adoption of an appropriate risk response strategy and to assign ownership for the risk response.
•  The ability to prepare quantitative and qualitative analysis on the risk landscape in the business including interpretation and analysis for use by business users.
• The examination of the essential elements of risk such as; assets, threats, vulnerabilities, safeguards, consequences and the likelihood of the threats materializing. 

Behavioural Competencies:

• Articulating Information
• Checking Things
• Examining Information
• Following Procedures
• Interacting with People
• Interpreting Data
• Meeting Timescales
• Producing Output
• Providing Insights
• Team Working
• Thinking Positively
• Understanding People

Technical Competencies:

• Automation: Ability to design and implement automated reporting solutions.
• Technology: Familiarity with banking systems, databases, and digital transformation tools.
• Data Analytics: Strong analytical skills with proficiency in Excel, SQL, Python, R, or Power BI.
• Problem-Solving: Ability to identify inefficiencies and propose technology-driven solutions.
• Communication: Clear presentation of complex data insights to non-technical stakeholders.
• Adaptability: Willingness to learn and apply new tools in a fast-paced banking environment.