مسؤول / مسؤول أول مراقبة محفظة الإقراض الرقمي

Job description

Description

Job Purpose:

Monitor and analyse the performance of the digital and financial inclusion portfolios, ensuring effective risk identification, compliance with internal policies and regulatory standards, and alignment with the bank’s strategic objectives. Also, provide actionable insights, support the growth of these portfolios, maintain the aspired profitability standards, and enhance credit quality while driving financial inclusion and digital transformation goals.

Job Description:

1.Track and analyse the performance of the digital and financial inclusion portfolios, identifying emerging risks and opportunities for growth and obtaining market share.

2.Monitor regularly portfolio trends, including delinquencies, defaults, and key risk indicators (KRIs).

3.Generate periodic performance reports, dashboards, and presentations for senior management and relevant committees.

4.Conduct deep dives into specific portfolio segments to provide actionable insights for risk mitigation and business growth.

5.Identify risks associated with digital lending and financial inclusion segments and recommend appropriate mitigation strategies.

6.Support credit policy refinement to address gaps and improve portfolio quality.

7.Collaborate with relevant teams to design and implement portfolio strategies that balance growth with risk control, as well as coordinating with IT and data teams to enhance the digital and financial inclusion infrastructure, and leverage machine learning models and AI tools to enhance predictive risk detection.

8.Propose process improvements and contribute to the development of risk management frameworks tailored to the digital and financial inclusion segments.

9.Work closely with credit policy, credit assessment, and analytics teams to address portfolio-related challenges.

10.Explore innovative approaches to better manage risks while supporting the growth of digital and financial inclusion initiatives.

11.Detect of adverse trends affecting portfolio quality and impact on products/segments P&Ls & RAROC to be highlighted for the concerned committees along with the proposed corrective actions to be taken accordingly.

12.Conduct comprehensive Portfolio Quality reviews (PQRs) for the Digital lending and Financial inclusion portfolios on a monthly basis to review all portfolio aspects including credit quality, competitiveness, financial prospective & ensure losses are in line with forecasts and analyse any detected variances.

Policies, Processes and Procedures

13.Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.

Day- to-day operations

14.Follow the day-to-day operations related to own jobs in the Digital Lending Risk & Strategic Analytics department to ensure continuity of work.

Compliance

15.Comply with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks.

QUALIFICATIONS, EXPERIENCE, & SKILLS

Qualifications & Experience

·Bachelor’s degree in Commerce, Business Administration, Economics or equivalent.

·For the Officer: minimum 2 to 3 years of relevant experience, for the Senior Officer: minimum 3 to 4 years of relevant experience.

Skills

·Analytical and influencing skills

·Risk Management expertise

·Data Driven decision making expertise