Job Summary

• To provide complex specialist advice and support in practice formulation and associated best practice improvement tactics; enabling the provision of specialist risk product expertise.

Job Description

• The Senior Manager Portfolio Management and Credit Impairments bears responsibility for overseeing the risk performance specifically related to the IFRS9 credit risk reporting requirements for Business Banking.

Accountability: Impairment Reporting

• Ensure accurate and timely impairment provisioning across portfolios , including journal entries are posted on time.
• Review monthly reconciliations and oversee the review of exception reports to maintain data integrity.
• Preparation, review, management and communication of IFRS 9 monthly impairments to various stakeholders.
• Engage with internal and external auditors on IFRS9 financial reporting requirements.
• Adhere to Risk Data Aggregation and Risk Data Reporting (RDARR).

Accountability: Credit Portfolio Management

• Oversee and/or provide input into all risk-related reporting to Executives, Group Credit Risk Committee, Group Credit Impairment Committee and External Stakeholders as and when required.
• Ensure that the quality and narrative in credit reports are of a high standard with data accuracy and meaningful interpretation of paramount importance.
• Develop measures to monitor, analyze and aggregate BB risk performance across products making it possible to pinpoint unexpected trends proactively.
• Collaborate with the credit risk management team to develop risk mitigation strategies and ensure compliance with internal policies and regulatory requirements.

Accountability: Business Planning and Forecasting

• Contribute to the development of the annual business plan and budget for Business Banking, providing insights and recommendations based on credit risk management analysis.
• Forecast and monitor key financial metrics (e.g. credit loss rates, coverage ratios, etc.) to support strategic decision-making.
• Challenge forecasting of credit losses against trends and economic outlook.
• Conduct sensitivity analysis and scenario planning to assess the impact of external factors, market conditions, and regulatory changes on the Business Banking portfolio.
• Collaborate and challenge the Group Risk management team to run required stress testing.
• Prepare peer analysis reports to provide insights into Business Banking’s performance.

Accountability: People Management

• Lead the people agenda across the function, focusing on diversity and inclusion, performance management, talent and succession management, skills retention, and colleague development.
• Build a high-performance team culture underpinned by strong employee engagement and retention.
• Embed a multi-year view of succession talent management and create opportunities through rotation and mentoring.

Accountability: BB Risk Strategy

• Participate in Group forums to establish and maintain networks and partnerships, keep abreast of developments, and actively shape developments to enable the achievement of organisational objectives.
• Actively participate in clearly articulating and embedding a risk culture that ensures resilience across the function.
• Ensure compliance with policies, procedures, and regulations, and align with the assurance plan.
• Develop delivery plans, formulate associated practices, and ensure operational implementation and adoption of credit risk management methodology, practice, governance, and delivery objectives.

Education and experience required

• Minimum B-degree/Honours in Accounting, Charted Accountant require
• Minimum 2 years in a management role in a risk or finance function
• Minimum 8 years in credit risk data and financial reporting function
• Quantitative and analytical thinking
• Knowledge of Credit Risk and Banking Products
• Knowledge of and working experience with  IFRS9)

Education

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

End Date: November 7, 2025