Manager - Provisions Profitability and Risk Appetite

MTN; Roodepoort; Sur place; ZAR 900 000 - 1 150 000; Plein temps

Résumé du poste

MTN Roodepoort invites an experienced Credit Risk Analytics leader to oversee IFRS9 modelling for the post-paid credit lifecycle, driving accuracy and audit readiness. You will manage profitability and risk appetite analysis, lead budgeting and resource optimisation, and guide the team on regulatory compliance and data governance.

You will partner with finance, risk and operations, shaping credit risk strategies, pricing, and performance reporting while building a strong, capable analytics team

Qualifications

• Extensive IFRS9 provisions modelling experience.
• Strong knowledge of the IFRS 9 standard and its regulatory implications.
• Proven analytical, problem-solving and data interpretation abilities.
• Proficient in Microsoft Excel, Word and PowerPoint; able to present findings clearly.

Responsabilités

• Lead the technical soundness and accuracy of IFRS9 modelling across the credit risk portfolio.
• Monitor provisions and model parameters; oversee monthly provision runs and recalibrations.
• Coordinate submissions to external audit and ensure compliance with reporting timelines.
• Analyze profitability models and risk appetite to balance risk and reward per MTN strategy.
• Forecast, plan and review the budget for the business unit; optimise resources and costs.
• Maintain records strategy for provisions, profitability and risk appetite; ensure retention per regulations.

Connaissances

IFRS9 provisions modelling

IFRS 9 knowledge

Analytical skills

Problem solving

Communication skills

Excel/Word/PowerPoint

Formation

Honours degree in Advanced Mathematics/Business Mathematics/Statistics/Risk Management

Description du poste

Credit Risk Analytics forms part of the wider Credit Risk and Billing environment within MTN Finance. We are responsible for risk analysis across the entire credit lifecycle of the post-paid customer base, including consumers as well as businesses. Furthermore, the team is responsible for provisions modelling and modelling and analysis that supports the setting of the post-paid credit risk appetite and credit book management. Other analyses done within this team support fact-base decisioning within the credit vetting process, billing, debt collection as well as other credit risk management activities.

Responsibilities

Key Performance Areas: Core, essential responsibilities outputs of the position (KPA's)

• Manage and guide the technical soundness and accuracy of our IFRS9 modelling
• Monitor provisions and model parameters,
• Oversee monthly provision runs, periodic recalibrations and submissions to external audit

Profitability model analysis and monitoring

• Manage, lead and guide analysis to support the setting and maintenance of credit risk appetite using our profitability models to ensure that acquisitions is supported by business rules that lead to a balance between risk and reward per the MTN strategy
• Manage the monitoring of cash receipts and profitability levels per risk segment within the portfolio
• Provide insight and input into collection targets and pricing.

Budget Management

• Forecast, plan, and review budget for business unit in line with the overall division
• Manage and optimize the budget, ensuring all expenditure is in line with the agreed budgets
• Monitor costs and determine initiatives to optimize resources

Document Management

• Formulate and implement a strategy to maintain an up-to-date retention of records process for provisions, profitability & risk appetite
• Ensure that all relevant documents are retained in accordance with legislative requirements

Quality Management

• Formulate effective methods and standards to deliver the credit analytics strategy
• Ensure that the departmental projects, are delivered within the agreed timelines and in accordance with agreed quality standards
• Consider and recommend enhancements for project performance and processes and initiate remedial action where defects are evident

People and Culture

• Maintain a department organizational structure sufficient to meet all goals and objectives aligned with the MTN credit analytics strategy
• Responsible for the full HR function of the provisions, profitability and risk appetite Department
• Manage, train, up-skill, motivate, retain, and recruit staff
• Measure department performance with appropriate metrics
• Provide for ongoing training of provisions, profitability and risk appetite staff
• Compile monthly departmental performance reports

Supervisory / Leadership/Managerial Complexity: Refers to the responsibilities for directing, guiding, motivating and influencing others.

• Recruit, develop and retain people with the required skills, qualifications and potential
• Define the departmental KPAs and KPIs
• Performance management and identification of training needs
• Contribute toward a customer centric culture
• Build talent by identifying and developing new leaders for the respective environment
• Employee relations and collaborative teamwork
• Manage Employment Equity and diversity
• Coaching and guidance of subordinates
• Build professionalism, loyalty and commitment to the organisation
• Communicate actively and effectively resolving any potential conflicts that may arise
• Living the MTN Brand – influence employees’ behaviour

Required Skills & Capabilities e.g. teaching, report writing or specific skills/abilities such as computing or the ability to work without supervision

• Confident and experienced in IFRS 9 provisions modelling and monitoring
• Sound knowledge of the IFRS 9 Standard
• Adaptability to various platforms and programming languages
• Knowledge of the regulatory and legislative requirements
• Proficient with Microsoft Excel, Word and PowerPoint
• Strong interpersonal skills including good written and oral communication
• Good analytical, problem solving and conflict management skills
• Strong analytical ability
• Completion of departmental projects within agreed time frames
• Customer satisfaction
• Continuous improvement of profitability and provisions models and related monitoring
• IFRS9 provisions estimates and data submissions to external audit
• Achievement of departmental performance targetsAlignment with Corporate Credit & Risk strategy
• Efficient and effective operational processes and procedures
• Optimal staffing to deliver on departmental KPAs
• Effective management of relationships with internal and external business partners

Qualifications

Job Requirements (Education, Experience and Competencies)

Education:

• Honours degree in Advanced Mathematics/Business Mathematics/Statistics/Risk Management
• Programming courses and qualifications/certifications will be advantageous

Experience:

• At least 5 years’ working experience in the telecommunication industry or relevant finance industry
• 5 years’ work experience in Credit analytics and modelling
• Experience in risk-based pricing modelling advantageous
• At least 2 years’ experience managing people