Portfolio Analyst

To support the Personal Banking Loan Monitoring function on overseeing the quality, performance, and risk profile of the Personal Banking loan portfolio. The role focuses on early identification of credit risks, ensuring compliance with lending policies, and supporting portfolio optimization to maintain asset quality and profitability. To drive the growth of Personal Banking asset portfolio under PPB across all products through analysis and interpretation of qualitative and quantitative data. This role uses performance insights and customer feedback to inform the product strategy and direct the design of new solutions or changes to existing asset portfolio under Personal Banking across all products that will meet customer demand and maximize the profitability. This would also include working closely with Credit to optimise the risk and reward trade-off decisions.

Type of Qualification: First Degree
Field of Study: Business Administrations, Finance, Accounting, IT, Economics, Mathematics, Actuarial science Data Science and related field

Experience Required
3-4 years

Prior experience in data analysis, credit and Credit risk, related fields. Experience in Consumer Banking products and services

Experience in product development and customer-focused design and the delivery of products/solutions. Experience in process re-engineering and change management. Proven track record of management of financial objectives, both value creation and cost reduction. Proven track record in business analytics and the use of data science in understanding product and customer economics.

Behavioural Competencies:

• Adopting Practical Approaches
• Articulating Information
• Examining Information
• Exploring Possibilities
• Following Procedures
• Interpreting Data
• Inviting Feedback
• Managing Tasks
• Meeting Timescales
• Providing Insights
• Showing Composure
• Taking Action

Technical Competencies:

• Evaluating Risk Management Effectiveness
• Financial Acumen
• Product and Services Knowledge
• Product Related Systems (Business Banking)
• Risk Awareness
• Risk Identification