Head: Credit Analytics, Data and Automation (ADA) (m/f)

Description

• To drive the development, the review/enhancement and the implementation of data and analytics-focused solutions and to automate, streamline, and enhance the credit processes

Duties

Credit and Data Analytics

• Responsible for driving advanced credit analysis and management:
• Drive the use of mathematical models to assist in decision making processes
• Drive the development of Machine Learning (ML) Application Scorecards and ML Decision Models
• Capitalize on volumes of data from digital banking channels to design and implement Big Data analysis to draw financial insights
• Drive and oversee the use of various software applications, models, and tools to assemble, manipulate and/or format data and/or reports

Credit Automation

• Responsible for driving the transition from manual and paper-based credit processes to automated and streamlined credit processes (from loan origination to portfolio risk management), to capture the benefits of accuracy, real time or near real-time data, increased efficiency, and reduced decisioning times:
• Drive the automation of credit applications and decisioning and ensure integration with existing systems or applications that are already in place for these functions
• Drive the automation of risk ratings based on probability of default (PD) and loss given default (LGD) models, tools that instantaneously deliver essential risk metrics for loan portfolio assessment
• Credit Portfolio Optimization, Analysis and Management: Responsible for overseeing the management of the credit portfolio

Specialized Functions

• Assist Credit Management with standing/ad hoc tasks that may stem from the following committees and or forums
• Credit Risk Forum
• Operational Risk Forum
• Project Management
• Executive Management Committee
• Board Credit Committees
• Asset and Liability Committee
• Product Committee
• Commercial, Structured and Project Finance
• Any other committees as instructed by the Executive – Credit

Supervisory/Leadership/Managerial Functions

• Responsibilities for managing, directing, guiding, motivating, and influencing subordinates:

Credit Application/Assessment

• Policy Compliance
• Application Assessment Control
• Assessment of Securities/Repayment Ability/Risk
• Credit Aftercare: Aftercare of Credit Facilities in Arrear/Excess

Requisites

• Knowledge of the system and processing activities
• 8 years’ experience in Credit, Risk and Banking environment
• 8 years’ experience in Analytical and modelling environment
• Computer literate: intermediate to advanced MS software and report creation
• Intermediate to advanced skills with SQL, SAS, and similar tools
• Familiarity with more advanced data analysis concepts such as AI, Machine Learning, etc.
• Strong track record of creating ad hoc analytics or addressing business questions through analytics
• Must be in possession of a valid driver’s licence
• Must have knowledge of the different regions and sectors within Namibia
• Product knowledge.
• Minimum Post-Graduate (Hons. or Masters B.Com./B.Sc.) Degree in Finance/Portfolio
• Management/Statistics/Risk/Financial Mathematics/Business Mathematics/Data Science or similar field
• A professional qualification (CFA, CA, FRM, Actuary) will be an added advantage
• Required competencies:
• Analytical, technical, and practical skills
• Ability to adapt to fast changing environment
• Self-confidence and interpersonal skills
• Exponential thinking
• Time management
• Excellent communication and presentation skills – ability to communicate with both technical and non-technical stakeholders
• Able to handle confidential information
• Planning and organizing skills

Notes

• Only shortlisted applicants will be contacted