Manager - Strategy Development/Risk Strategy/Strategy Management - Credit Risk Strategy Team

Purpose of Department

Credit Risk Strategy team is responsible for developing Origination & Account Management strategies and supporting analysis across Retail portfolios for multiple regions within the Group. This role applies to the Business Consulting job family and would encompass managing Credit Risk Strategy for HBME region.

Role Purpose

Credit Risk Management Strategy is one of the key functional areas within Retail Risk Management. This function owns the development of Origination and Account Management strategies for the different Regions within group across all retail products (secure and unsecure).

This role applies to the Business Consulting job family and would encompass formulating strategies such as approve/decline, limit table, line management, re-pricing, authorizations, etc., in accordance to the strategic direction of the Business area

Service Delivery:

Responsibilities on Strategy Development would include Approve / Decline, Limit Assignment, Risk Based Pricing, Line Management, Authorizations, Re-pricing & Re-issue, among others

Develop understanding of the HBME portfolio, and changing regulatory environment to develop and recommend strategies that are suitable to the Business area and direction

Liaison with multiple regional support in GAC to establish best practices and implement "best in class" analytical processes across the group Train team on analytical and communication skills

Identify hiring and training needs for the team, make sound hiring decisions and implement a solid training plan to up skill both new hires and existing / tenured employees

Identify opportunities for standardization of analytical processes to bring in effectiveness and gain efficiency

Drive innovation for self and the team to deliver incremental business value to the Region

Implement sound project management practice for the team to delivery error free projects with high analytical content

Develop presentations that are - Business Ready

Operational Effectiveness, Leadership & Teamwork:

Work with different regional teams to identify and scope projects.

Develop and maintain effective working relationships with the regional teams.

Uphold the highest level of integrity and act as a role model for all values and business principles.

Demonstrate a commitment to excel and perform to the highest standards.

Skills/Experience Required

Bachelor's degree in mathematics/ statistics/ economics or equivalent; Master's degree is preferred

At least 6+ years of relevant experience in analytics preferably in the fields like Strategy Development, Loss Forecasting/Reserving, Modeling, Risk Strategy, and Marketing etc.

Excellent communication skills with technical (the team) and non-technical (senior entity management in region) counterparts; being able to "translate" between the two worlds is the major thing in the day to day work.

Strong analytical skills with an ability to grasp new concepts quickly.

Good organizational, analytical, problem-solving and verbal and written communication skills.

Prior experience in managing risk activities in retail lending is essential.

Prior experience in managing Retail portfolios such as Mortgage, Cards, Loans and Overdrafts

Prior experience with acquisition risk strategy, account management strategy or strategy analysis and portfolio management would be preferred.