Manager: Cre Risk Monitoring and Reporting

Job Purpose

• This role is responsible for monitoring and reporting on the end-to-end credit lifecycle across lending products within Business and Commercial Banking BCB, ensuring oversight and optimizing the quality of the credit portfolio.
• Positioned as a second line of defence within BCB Risk, the role provides robust oversight and risk mitigation.
• The incumbent will engage with both frontline credit businesses downstream and governance committees upstream, including the Cluster Credit Committee, Executive Credit Committee, and Group Credit Committee at Board level.
• Success in this role requires a self-starter with strong independence, capable of delivering actionable insights to senior stakeholders while effectively managing within a complex matrix environment.

Job Responsibilities

• Provide support to the Senior Manager regarding monitoring, analysis, organization, and reporting of Credit Risk-related matters for Group, Executive, Cluster, and Segment Credit Committees within the RBB cluster.
• Develop and prepare portfolio review presentations based on MIS, giving a clear overview of the credit book.
• Use data to drive strategic decisions, portfolio optimization, and early-risk mitigation actions.
• Propose innovative ideas to enhance business processes and improve customer experience.
• Deliver quality reports, monitoring results, and recommendations to stakeholders.
• Monitor quality of credit lifecycle processes, evaluate policy effectiveness, and ensure adherence to guidelines.
• Perform robust post-approval/disbursement checks using statistical and sampling methods.
• Ongoing monitoring of trends and factors that might impair credit quality, focusing on Origination, Collections, and Recoveries.
• Develop models for proactive monitoring of business credit health.
• Provide analytical support to the team on credit-related queries within acceptable timeframes.
• Foster collaborative relationships through regular engagement with managers and team members.
• Provide input into systems, processes, and policies for business effectiveness.
• Lead by example in embracing Nedbank Vision and Values.
• Contribute to transformation goals and culture-building initiatives.
• Create a client service culture through interventions.
• Encourage team innovation and knowledge sharing.
• Ability to connect the dots across fragmented information from multiple forums and present a consolidated view to senior stakeholders.
• Strong capability to interrogate data and extract actionable insights, not just run reports.
• Comfort with executive-level presentations and stakeholder management upwards.
• Ability to thrive in a new, evolving structure with opportunities to shape standards and frameworks

Essential Qualifications - NQF Level

• Advanced Diplomas/National 1st Degrees

Qualification Detail

• Required: Bachelor's degree in Statistics, Economics, Econometrics, Finance, Mathematical Sciences, or Engineering.
• Preferred: BSc / B.Eng / BCom Honours degree

Minimum Experience Level

• Minimum 8 years in banking or financial services , with 5 years in Credit Risk Analysis within Commercial/Wholesale Banking.
• Proven experience in reporting roles for at least 5 years .
• Understanding of banking regulations NCR, SARB, BASA.
• Technical proficiency in SAS, Power BI, SQL mandatory, Python preferred.
• Familiarity with credit modelling , impairment methodologies, IFRS 9, ACL provisioning, and capital adequacy risk-weighted assets.
• Proven ability to engage and influence across retail and business clusters, including executive-level stakeholders
• Deep understanding of the end-to-end credit lifecycle across multiple segments and lending products
• Experience in strategic planning, business reporting, and translating insights into actionable decisions
• Demonstrated capability in coaching, mentoring, and assuming leadership roles within complex environments
• Strong background in credit assessments and risk mitigation strategies, with exposure to stress testing and scenario analysis
• Ability to identify, manage, and mitigate business risks effectively
• Skilled at operating within a matrix structure, managing multiple senior stakeholders and navigating complex governance frameworks
• Advanced analytical skills with a strong quantitative orientation, including experience in reporting and strategic KPI development
• Comfort with new acquisitions and integration projects, requiring out-of-the-box thinking and solution design

Technical / Professional Knowledge

• Business administration and management
• Financial Accounting Principles
• Governance, Risk and Controls
• Operations planning
• Principles of project management
• Relevant regulatory knowledge
• Service level agreements
• Staff resource planning
• Strategic planning
• Management information and reporting principles, tools and mechanisms