Manager Portfolio Management

1 month ago

Johannesburg, Saudi Arabia Absa Group Limited Absa Full time

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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