Graduate, Trainee Credit

• To perform and deliver various Credit Risk activities across the different aspects of the life-cycle of Credit Risk Management including originations account management collections and payments for a dedicated Portfolio. This is essential in order to contribute to manage risk achieve targets and align to best practices. Conduct in-depth analysis to ensure that the Portfolios products and services adhere to all relevant legislation and regulations.
• Actioning all identified credit controls events and defaults in order to reduce the roll rate of non performing loans into lock up portfolio.
• Perform detailed analysis and monitoring of the effectiveness of the strategies across the Credit Risk Management value chain with the objective of improving existing Portfolio performance and increasing profitability.
• Implement system changes with specific focus on testing in order to optimise profitability of the Portfolio.
• Design solutions to business challenges with input and support from various stakeholders in order to obtain approval from the relevant forum / committee.
• Develop a thorough understanding of the root cause of a specific problem in order to develop the appropriate solution through data mining past experience interactions with subject matter experts and conducting research.
• Continually review recent portfolio performance from month and quarterly monitoring to identify areas of improvement and make recommendations.
• Attend monthly monitoring meetings to understand the impact of any movements on the execution of the Credit Risk Management strategy.
• Create reports by accessing relevant Portfolio data systems that produce portfolio insights and business intelligence to support business strategy across the credit life cycle.
• Develop an in-depth understanding and knowledge of available data ensuring the data is fit for use from a quality perspective and is effectively managed. Bring business context and knowledge

Qualifications :

Qualification

•  BSc in Computer Science Software Engineering and Information Systems.
• BSc in Statistics Data Science and Computer & Statistics.
•  BSc in Mathematics and Computer Science.

Knowledge

• The ability to build analyze and interpret quantitative models to determine potential risk exposure.
• Demonstrates knowledge and understanding of risk management methodologies tools governance structures and regulatory requirements for good management of risk.
• The ability to analyze call volumes and call routing in order to determine workforce deployment and flow of calls.
• The ability to facilitate the creation and adoption of an appropriate risk response strategy and to assign ownership for the risk response.
•  The ability to prepare quantitative and qualitative analysis on the risk landscape in the business including interpretation and analysis for use by business users.
• The examination of the essential elements of risk such as; assets threats vulnerabilities safeguards consequences and the likelihood of the threats materializing. 

Additional Information :

Behavioural Competencies:

• Articulating Information
• Checking Things
• Examining Information
• Following Procedures
• Interacting with People
• Interpreting Data
• Meeting Timescales
• Producing Output
• Providing Insights
• Team Working
• Thinking Positively
• Understanding People

Technical Competencies:

• Automation: Ability to design and implement automated reporting solutions.
• Technology: Familiarity with banking systems databases and digital transformation tools.
• Data Analytics: Strong analytical skills with proficiency in Excel SQL Python R or Power BI.
• Problem-Solving: Ability to identify inefficiencies and propose technology-driven solutions.
• Communication: Clear presentation of complex data insights to non-technical stakeholders.
• Adaptability: Willingness to learn and apply new tools in a fast-paced banking environment.

Remote Work :

No

Employment Type :

Part-time