Stanbic Bank Zambia Ltd
Stanbic Bank Zambia Ltd
Posted Job
about 3 years ago

Manager Personal Banking Credit

This listings application deadline has expired so it is probably out of date

View all jobs →

Risk Management: understanding all risks – from the economic to the political – that could affect our global business, and offering guidance to all parts of the bank

Job Purpose

• To build maintain and manage the end-to-end credit operation for Personal Banking (PB) Credit in Zambia incorporating all aspects of the credit life-cycle

• Responsible for day-to-day management of PB Credit processes and people

• Deliver a professional service against specific process measures aligned to the credit risk management KRAs and agreed SLA with all Business units.

Key Responsibilities/Accountabilities

• To lead and guide a team responsible for the execution of the standard processes for Originations & Evaluation, Account Management & Collateral, Rehabilitation & Recoveries for Personal Bankiing.

• To ensure that laid down policies, procedures are implemented and adhered to.

• Deploy and maintain standard people structures to deliver the approved PBB credit strategy and processes.

• Approval of credit within delegated authority.

• To actively participate in Credit risk management committee meetings and watch list committee meetings and to provide meaningful input into risk appetite discussions, portfolio management and collections strategies as well as detecting and evaluating shifts or changes in key risk parameters and the effects of such changes on portfolios and relationships.

• Deploy capacity planning models to ensure adequate staffing to support growth and ‘business-as-usual operations.’ Where changes to capacity are required to improve adherence to credit policy / improve customer experience / etc, take appropriate action.

• Evaluating credit capabilities within the team and Recruit, retain develop and deploy people with energy passion and the appropriate technical competencies and skills.

• To actively monitor appropriate metrics across the credit life-cycle to ensure that the origination, evaluation, credit risk monitoring and rehabilitation and recoveries functions meet the highest standards in accordance with laid down policies and procedures and to guide and coach the respective teams on the best credit practices.

• To ensure that all internal and external reporting is completed accurately, on time and that appropriate value adding insights into the portfolio are provided so that both internal and external users of information have a deep and appropriate insight into the quality of the portfolio and the appropriateness of the processes.

• Understand the full cost of credit for the PB credit function

• Deliver robust, transparent and predictable credit losses within an agreed total cost (‘budget’) and ‘cost of credit’ framework.

• Regularly review process effectiveness and efficiency, and provide feedback to in-country management on a regular basis.

• Responsible for the implementation and adoption within the Business Unit of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes.

• This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.

• This responsibility may be delegated formally.

• It is however noted that ultimate responsibility for the delegated issues shall rest on the person delegating.

Preferred Qualification and Experience

• Eight (8) - 12 years’ experience, including 2-5 years as a credit operations or portfolio manager in high-volume personal (e.g. retail) credit.

• Prior experience with credit workflow management tools and automated decisioning technology essential.

• University Degree with an inclination to Financial, Legal, accounting and Marketing options

• Other Business related professional qualifications are an added advantage

Knowledge/Technical Skills/Expertise

Skills

• Ability to identify and negotiate with key stakeholders to ensure the necessary buy-in and commitment to the success of the operating model.

• Ability to ensure that broader Business Unit and business strategy is taken into account and consensus with all stakeholders is reached on new developments.

• Ability to accurately read situations/the audience and appropriately adapt style in line with business needs.

• Ability to understand in-depth data analysis, trends, forecasts and reporting for use in setting the operational direction for the unit.

• Ability to coach, develop credit capability in country by providing on-going feedback, appraisal, and counselling.

• The ability to maximise performance of people within the team by appropriate people management skills.

To identify and manage both key performers as well as to manage poor performance within the team is a gateway competency for this role.

How to apply

Submit your CV and application on company website:

Stanbic Bank Zambia Ltd image
Stanbic Bank Zambia Ltd
Lusaka
Corporate finance
Investment
Loans
Mortgages
Personal banking
Business banking
In Zambia Stanbic Bank operates a network of 13 branches providing a full range of consumer, business, corporate and investment banking services to clients who require a local banking partner with international reach. Established in 1956, Stanbic Bank Zambia currently operates in 20 African countries including Botswana, Congo, Ghana, Kenya, Lesotho, Madagascar, Malawi, Mozambique, Namibia, Nigeria, South Africa, Swaziland, Tanzania, Uganda and Zimbabwe.
You may be interested in...
Jewel of Africa
Jewel of Africa
Jewellery and watches
Yellow Gold Emerald  Cage & Pave Pendant image
$3,447
Buy on Shopbwana
The pendant displays two sumptuous green emeralds, This dramatic pendant in yellow gold is accented with colourful gradient diamonds. To complete the piece, it is suspended from a yellow gold chain.
Jewel of Africa
Jewel of Africa
Jewellery and watches
White Gold Emerald & Diamonds Classic Pendant  image
$17,358
Buy on Shopbwana
Classic and sophisticated, this gemstone and diamond pendant showcases oval-shaped emerald surrounded by pavé-set diamonds set in 18k white gold with a matching cable chain.
Jewel of Africa
Jewel of Africa
Jewellery and watches
Yellow Gold Emerald  Clover Pendant  image
$1,713
Buy on Shopbwana
Yellow gold cloverleaf with three emeralds. makes the perfect thoughtful gift, for whoever and whichever occasion.
Jewel of Africa
Jewel of Africa
Jewellery and watches
Yellow Gold Emerald & Diamonds  Eye Pendant image
$5,780
Buy on Shopbwana
18k yellow gold diamond and emerald eye pendant, imagination guides exquisite cuts to reveal captivating forms.
Jewel of Africa
Jewel of Africa
Jewellery and watches
Yellow Gold Emerald  Flame Pendant  image
$3,318
Buy on Shopbwana
Emerald Flame Pendant features a teardrop emerald cut accented with set in yellow gold.
The Tansi Kitchen image
The Tansi Kitchen
Catering
Bakery
Chongwe
Lusaka
Whether you need some quick meals-for-one or a sumptuous spread for a special occasion, secure your meal delivery slot today and let The Tansi Kitchen do the cooking for you! You can choose from a wide variety of freshly cooked artisan pastas as well as baked goods, and have them delivered to your home or office (currently Lusaka only). This company is committed to providing the most versatile and flexible selection of healthy and delicious meals. All orders have a flat delivery fee of just $5.00.
Boss Aluminium & Construction image
Boss Aluminium & Construction
Aluminium windows and doors
Property improvement
Lusaka
Ndola
UNDER CONSTRUCTION/////Designers, manufacturers and installers of a wide range of innovative, functional, and stylish aluminium windows, doors, shop fronts, partitions, ceilings, wardrobes, kitchen cabinets... These products and fittings are highly durable and unlike many other types of metals, they will not rust over time. This means you are guaranteed a product that will never rust or corrode over the years. For the doors and windows, you will receive a superior level of security, thanks to the unbreakable strength that aluminium offers. Boss Aluminium & Construction will work with you to make sure you get exactly what it is you want, optimised for the scale of production that you need.
Vetlab image
Vetlab
Water and sanitation consultants
Food safety and standards
+2
Lusaka
To achieve optimal output from commercial animal production units, Vetlab offers a wide range of tests for monitoring the health of animals and the cleanliness of their environment. Tests include bacteriology, parasitology, water testing, analytical milk testing and feed nutritional testing. Other chemical, microbiological and diagnostic testing can also be carried out. Vetlab has a comprehensive range of lab consumables available for sale, and the company's highly skilled consultants provide food safety auditing and training services.
Walter Genius Couriers Ltd image
Walter Genius Couriers Ltd
Freight and forwarding
Postal and Courier
+2
Lusaka
+8 locations
Walter Genius Couriers offers professional freight and forwarding, customs clearance, postal courier as well as home and office removal services. The company offers international inbound and outbound freight services by road and air. Walter Genius Couriers is dedicated to delivering quality and professional services with confidence in vastly under-serviced areas. The company prides itself in offering transportation intelligence to businesses using both domestic expertise, and regional and international partnership networks.
Green Energy Distributors image
Green Energy Distributors
Solar and Renewable
Power generation
Energy consultants
Lusaka
Green Energy Distributors is a full-service electrical, solar and LED lighting supply and contracting firm. The company’s core competencies includes but not limited to solar and electrical component supply, system design and installation, as well as renovation. It distributes mainly to retailers, manufacturing industries, farmers and other contractors. Green Energy prides itself on being very flexible and reacting according to your needs as well as market demands - allowing products for projects and retailers to be delivered on time and on budget, with no surprises.