Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
Meet and exceed individual activity metrics for all product lines
Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
Outbound calling to target both existing and prospective customers
Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
Establish, develop and maintain business relationships with existing and prospective customers to generate new business
Participates in cross selling bank products.
Maintain detailed tracking of pipeline management and of prospect data and activities
Set up in person visits, appointments and presentations, following up telephonically where necessary
Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
Scheduling customer feedback for obtaining documents and progress updates
Adhere to Supervision requirements set out by Line Manager for all financial products
May prepare weekly, monthly and quarterly reporting and present results to management
Ensure effective Cash Management as and when required with approved authorization
Ensure effective CAM Management as and when required with approved authorization
Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
Ensure accountability for your own results

Marketing Focus
Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
Identifying referral opportunities in and around the branch
Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
Participates in events that demonstrate support for the community and increase business opportunities for the Bank
Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

Risk & Compliance Focus
Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
Comply with all policies/procedures related to all customer interactions and engagements
Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

Customer Service
Ensure compliance with the Banks Customer Service Standard and relevant legislation
Ensure compliance with TCF principles
Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

Training & Development
Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

Operational Activities
Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

MINIMUM EDUCATION
Bachelor’s degree with quantitative subjects.

PREFERRED MINIMUM EDUCATION
Honours Degree in Data Science / Computer Science / Engineering / Statistics / Mathematics or similar.

MINIMUM EXPERIENCE
2-3 years’ experience in a Data Science / Analytics / Academic (eg. postgraduate) role.

PREFERRED MINIMUM EXPERIENCE
3-5 years’ experience in a Data Science / Analytics / Academic (eg. postgraduate) role.

CRITICAL COMPETENCIES
Proficient with the usage of the Python.
Intermediate to advanced level knowledge of SQL.
Basic to intermediate level knowledge of the Linux OS.
Advanced analytics competency level demonstrated. 
Ability to produce effective data visualisations.
Mathematical modelling.
Technical report writing.
Presentation and communication skills.

ADDITIONAL COMPETENCIES
Able to effectively use Microsoft Office. 
Basic to intermediate level proficiency with the usage of AWS cloud technologies.
Able to work with unstructured data.

BEHAVIOURAL ATTRIBUTES

 Attention to detail
Deadline driven
Organised
Team player
Curious
Creative 
Innovative
Ability and willingness to learn and try new approaches
Enjoys solving difficult problems

KEY RESULTS AREA

Stakeholder Engagement and Expectation Management
Engages positively within data science team and with external stakeholders
Understands and delivers on agreed deliverables and business owner’s objectives
Keeps stakeholders informed of progress
Seeks assistance to overcome obstacles as they may arise
Ensure solutions developed can be practically implemented

Data wrangling and data preparation
Retrieve data from identified data sources (including unstructured data sources)
Validate, clean and filter data against identified criteria
Package data into correct format for further analysis or delivery
Create data sets as required for ad hoc analysis
Enhance data documentation where possible
Document data wrangling steps clearly

Analysis, reporting, data visualisation and communicating results
Ensures high quality presentations appropriate for diverse audiences to make informed decisions
Analyse data and verify results in terms of requested information by applying suitable standard and advanced univariate and multivariate statistical techniques 
Document process followed to determine findings from data retrieval to final outcomes
Prepare a written report of findings for distribution to direct manager for final approval
Prepare presentation for feedback to Exco or identified stakeholders
Communicate findings to relevant stakeholders in order to adopt recommendations

Statistical Model building and Machine Learning model building
Develop and maintain an understanding of relevant business processes
Review current processes for business opportunities by means of appropriate statistical models
Build statistical models to drive business strategies 
Understand and interpret specifications of the model from the business by liaising with different stakeholders
Prepare a project plan with requirements for completion of model
Prepare and analyse data 
Develop a descriptive or predictive mathematical or statistical model making use of available statistical tools
Validate the model in terms of requirements
Communicate the model’s performance (verbal and written) to relevant stakeholders
Prepare a presentation of results for presentation to Exco or identified stakeholders for final approval
Document specifications and process of model roll out working with Strategy Manager and bureau for deployment
Test and validate functionality of the implementation of the model in terms of requirements
Review current modelling methodologies in respect to international best practices

Model monitoring and refinement
Monitor models to determine predictive power is maintained on an ongoing basis
Analyse data in respect of models where outcomes are not in line with expectations to identify causes for variances
Identify and recommend suitable solutions in writing with evidence of the identified problem
Implement approved solution in terms of recommendation

Change Management
Write appropriate specifications needed to implement change process or recommendation after obtaining necessary approval from relevant committee
Oversee the changes to be done in consultation with Business Analysts
Test and validate functionality of the implementation process
Maintain complete documentation of any follow up changes
Enable audit and validations to be performed

Data ethics, governance and privacy
Understands legislation and comply with it, e.g. data privacy rules complied with
Ethics to be considered at all stages of work
Avoid unfair discrimination

Mentoring and training
Assist team members with new tasks in respect of unfamiliar aspects of the job
Train team members in respect of technical aspects and business aspects of the job as well as for succession planning

Research
Enhance existing models 
Alternative models, approaches and methodologies
Find new data sources
Find new ways of utilising and absorbing diverse data sources for business problems and to maximise value from data

Treating Customers Fairly  and Compliance
Create and maintain productive relationships with internal and external clients by providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations
Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Minimum Qualifications and Experience 

• Post Graduate Degree in Accounting, Business Administration, Finance or similar field.
• 10+ years’ experience in related field

Main Purpose of the role 

To ensure proactive and robust credit risk management of the bank.

Take control of credit deliverables to & from committees, stakeholders based on set KRIs & KPAs.

Develop methodologies for the management of the credit portfolio along with the CRO.

Develop risk appetite thresholds to carry through to lending strategy.

Develop and enhance the Credit Reporting & Monitoring framework which meets the requirements of external & internal stakeholders; Ensure timely and accurate delivery of Credit Risk reports.

Interpret the information and suggest actions for consideration by Senior Management and Credit Committees.

Make sure the bank strategy is integrated in credit function and management.

Provide input to the CRO in carrying out the responsibilities pertaining to Board Risk Committee inter alia preparation of the information pack, responding to data/ analytical requests from the Committee, etc.

Make sure the audit findings are resolved and identified gaps are mitigated.

Review of Credit Policies & Standards in order to ensure that these reflect best practice and regulate the risk assets of the Bank as directed by the Board.

Establish and manage department resources, delivery and desired objectives.

Provide input and requirements on design inputs, particularly regarding credit risk recognition, measurement and its reporting as part of the core team for implementation of key credit risk related projects (e.g., Credit Management System, IFRS 9 ECL’s, RDARR). 

Leadership 

• Manage the Department efficiently so that performance goals and objectives are achieved.
• Coach and advise the lending teams.
• Identify and resolve performance issues.
• Distribute and control the tasks to be performed by the employees in the Department.
• Communicate the strategy, plans and ideas to the departmental staff.
• Promote awareness and ensure adherence to all policies & procedures.
• Promote proactive credit risk management.
• Ensuring that Credit Managers perform their duties and are receiving support/guidance;
• Ensure regulatory compliance
• Ensuring that Credit approval process and arrears management is properly managed, and that Policies and procedures are updated and relevant.

Vision

• Formulate strategies for the future of his/her own field of work or organization of the department.
• Indicate market, sector and technological trends and developments for the coming years.
• Propose and/or implement innovative ideas to enhance business results.
• Identification of early warning indicators for problem loans.

Output

• Lead enhancements to the Credit Measurement Framework; which include rating models (PD) and LGD/ EAD measurement jointly with the CRO.
• Ensure timely and accurate reporting of information to the relevant stakeholders
• Assist in preparation and presentation of the information pack for Board Risk Committee
• Contribute proactively to various risk related projects and initiatives owing to synergies (e.g. stress testing, IFRS 9 and ICAAP); especially on aspects pertaining to credit measurement and sourcing/ management of data for these initiatives
• Contribute to system implementation projects in the credit risk space (e.g. Credit Management System) by providing requirements and design inputs, particularly with regard to credit risk recognition and measurement.
• Assist the CRO in development and review of Credit Policy & Standards
• Ensure that sound credit risk measurement and monitoring frameworks are developed and implemented throughout the bank in a standardized manner.
• First level credit screening for deals to be presented to credit committee.
• Arrears management in respect of accounts that require intensive care and Legal accounts, including the recommendation of recovery strategies.
• Staff loan management
• Interact with Head:Lending in order to ensure that strategic focus is attained.
• Treasury linked facilities are review timeously and liaison with Treasury management.
• Continual interaction with Risk Officer in ensuring that Credit Risk Committee packs and other reports are properly prepared, checked and circulated within agreed times.
• SARB and Statutory reports are correct and timeously submitted to relevant authorities.
• Working in conjunction with Risk Officer and ad-hoc tasks as required.
• Oversee invoice discounting client audits.

Other

• Liaise with key operational functions to ensure client service delivery to agreed benchmarks.

• Manage the formulation and implementation of key client service programs.

• Responsible for completing the goals set by the EXCO.

• Responsible towards the EXCO for specific area of his/her business.

• Actively drive compliance with regulations affecting the credit domain.

• Provide the EXCO on a regular basis with relevant information pertaining to credit risk.

• Review and sign-off of departmental reporting.

• Enhancement of the credit system.

• Lead projects.

Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
Meet and exceed individual activity metrics for all product lines
Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
Outbound calling to target both existing and prospective customers
Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
Establish, develop and maintain business relationships with existing and prospective customers to generate new business
Participates in cross selling bank products.
Maintain detailed tracking of pipeline management and of prospect data and activities
Set up in person visits, appointments and presentations, following up telephonically where necessary
Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
Scheduling customer feedback for obtaining documents and progress updates
Adhere to Supervision requirements set out by Line Manager for all financial products
May prepare weekly, monthly and quarterly reporting and present results to management
Ensure effective Cash Management as and when required with approved authorization.
Ensure effective CAM Management as and when required with approved authorization
Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
Ensure accountability for your own results

Marketing Focus
Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
Identifying referral opportunities in and around the branch
Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
Participates in events that demonstrate support for the community and increase business opportunities for the Bank
Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

Risk & Compliance Focus
Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
Comply with all policies/procedures related to all customer interactions and engagements
Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

Customer Service
Ensure compliance with the Banks Customer Service Standard and relevant legislation
Ensure compliance with TCF principles
Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

Training & Development
Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going
value proposition to the Banks customers
Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to
the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

Operational Activities
Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where
appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
Perform other admin related duties as may be required by Management and Leadership structures of African Bank.