Manager Portfolio Management
2 months ago
Job Description
Portfolio Performance Monitoring:
- Understand the interaction between the macro environment and credit performance and adjust credit underwriting strategy within Risk Appetite accordingly based on macro expectations.
- Monitor the performance of the home loans portfolio, tracking key performance indicators KPIs, such as pricing, margin, balance sheet growth, capital utilization, delinquency rates, default rates, and prepayment rates.
- Conduct regular portfolio reviews to assess the quality of assets, identify trends, and recommend actions to mitigate risks and enhance performance.
- Utilize data analytics and reporting tools to generate insights and actionable recommendations for portfolio optimization.
Profitability Analysis:
- Analyze the profitability of home loans business and portfolios, assessing revenue generation, capital utilization, costs, and associated risks.
- Identify opportunities for revenue enhancement, risk reduction, cost optimization, and process efficiencies to improve overall profitability.
Risk Management:
- Assess and monitor risks associated with the home loans portfolio, including credit risk, interest rate risk, and market risk.
- Develop the risk appetite and portfolio diversification to maintain a balanced risk profile
- Challenge underwriting standards in order to improve profitability and sustainability.
- Collaborate with the credit risk management team to develop risk mitigation strategies and ensure compliance with internal policies and regulatory requirements.
Business Planning and Forecasting:
- Contribute to the development of the annual business plan and budget for the home loans department, providing insights and recommendations based on value management analysis.
- Forecast and monitor key financial metrics, capital utilization, loan margins and profitability 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 home loans business.
- Collaborate and challenge the risk management team to run required stress testing.
Financial modeling
- Develop and maintain financial models to evaluate pricing strategies, product profitability, and return on investment ROI.
- Develop and maintain financial models to forecast key financial metrics, capital utilization, loan margins and profitability to support strategic decision-making.
- Challenge the appropriateness and development of capital and impairment models.
Team development
- Instil a performance development culture through directing the PD process and adhering to the PD calendar.
- Pro-actively identify development areas of direct reports and compile development plans to address them
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies Required
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