We are seeking to recruit an experienced Risk Management professional with the drive and determination to deliver first class service in our Retail Risk team for the mentioned role.

The job holder will be responsible for defining the lending framework, determining the lending criteria and managing the portfolio for quality whilst supporting customer acquisition and/or growth initiatives from the business. In addition, he/she will be responsible for developing/designing monitoring tools and tracking portfolio performance vis-a-vis credit risk appetite and strategies by using data analysis and predictive modeling techniques.

Key Accountabilities:

•   Support the Head of Retail Credit to define the framework and manage the Personal Installment Loans portfolio across the Credit Life Cycle, which comprises of the following: Product Planning, Credit Initiation, Account Maintenance, Fraud Management, Collections & Recoveries, portfolio review and analitics
•   Setting of product risk appetite and strategies and securing appropriate mandate and scale to support business growth
•   Ensure, conformance to policy/procedures/directives and manage the portfolio within agreed triggers and framework or risk appetite .
•   Ensure that lending, profitability and reporting models are fit for purpose or reviewed to reflect management objectives
•   Work to improve portfolio quality and keep impairment within budget.
•   Support the Retail Banking Business in developing new products and conducting product performance reviews
•   Formulate strategies that drive growth while maintaining an acceptable level of risk to achieve agreed performance targets Conduct product profitability analysis and challenge pricing in order to maximize value
•   Develop a strong Risk/Credit Operations and Risk/Consumer Business partnerships
•   Develop a motivated team of portfolio analysts maintaining excellent relationships within own team and wider business to ensure achievement of business goals

Qualification Required & Experience

Essential (knowledge, experience and skills):

•   Degree graduate. Masters Degree will be an added advantage Strong team leadership experience within a Risk Management environment in a financial institution
•   Good knowledge and experience in Retail Lending and Retail/Consumer portfolio risk management
•   Knowledge of the Consumer Credit Risk systems, Processes and Lending strategies
•   Knowledge of the Consumer Collection & Recovery processes, systems and strategies
•   Good understanding of provisions and impairment accounting and regulatory rules and logic
•   4 years experience within a Credit Risk Management function Strong Analytical skills and proficient in the use of Excel for portfolio analytics
•   Good Project management skills will be an added advantage
•   Very good track record of managing and meeting stakeholder needs
•   Good investigation or problem shooting and report writing skills

Location: Accra

How To Apply For The Job

All applications should be sent to:-

The Head Office
Barclays Bank Gh. Ltd
Accra High Street, Accra

Or Visit the website below

www.barclaysafricajobs.com

Closing Date: 26 December, 2013

Barclays Bank of ghana Ltd. is an Equal Opportunity Employer.