The Portfolio Manager (VP) is responsible for developing and executing segment-specific credit risk strategies that support sustainable growth and capital efficiency. This role focuses on defining risk appetite, driving impairment forecasting, strengthening governance frameworks, and delivering advanced portfolio analytics to support strategic decision-making.

You will play a critical role in enabling data-driven credit decisions, ensuring robust risk management practices, and optimizing portfolio performance in line with organizational objectives.

Key Responsibilities

Impairments and Capital Forecasting

• Own impairment forecasting for the portfolio, including Expected Credit Loss (ECL) modelling under IFRS 9
• Develop and maintain forward-looking portfolio scenarios incorporating macroeconomic and stress assumptions
• Monitor actual versus forecast performance, identifying key drivers and emerging trends
• Partner with Finance to align risk forecasts with budgeting, capital planning, and strategic objectives

Risk Appetite Setting and Monitoring

• Support the definition and calibration of portfolio-specific risk appetite metrics aligned to group frameworks
• Monitor portfolio performance against approved limits, thresholds, and early warning indicators
• Identify and escalate breaches or emerging risks with clear analysis and recommended actions
• Contribute to governance forums through concise, insight-driven reporting

Credit Data and Management Information (MI)

• Enhance MI capabilities by consolidating fragmented data into structured, decision-ready insights
• Transition reporting from historical descriptive outputs to forward-looking analytics
• Reduce reliance on manual reporting and improve data automation and accuracy
• Enable faster, higher-quality credit and portfolio decision-making across stakeholders

Strategic Portfolio Analytics

• Develop advanced analytics covering risk-adjusted returns, concentration risk, and client-level profiling
• Identify structural risks and opportunities to support pricing, product design, and growth strategies
• Conduct stress testing and scenario analysis to assess portfolio resilience
• Provide decision support for portfolio optimization and strategic initiatives
• Deliver insights into portfolio behavior, performance drivers, and emerging risks

Requirements

• Strong experience in credit risk, portfolio management, or financial analytics
• Proven ability to manage impairment forecasting and credit risk modelling
• Experience with IFRS 9 Expected Credit Loss frameworks
• Strong analytical and quantitative skills with advanced data interpretation capabilities
• Experience working with cross-functional teams including Risk, Finance, and Business stakeholders

Education

• Bachelor Honours Degree in Accounting, Actuarial Science, or Statistics

Skills

• Strong strategic and analytical thinking abilities
• Advanced data analysis and financial modelling skills
• Strong stakeholder management and communication skills
• Ability to translate complex data into actionable insights
• Strong governance and risk management awareness

Work Environment

This role operates in a high-impact, data-driven environment focused on portfolio performance, capital optimization, and strategic credit decision-making. It requires strong collaboration across risk, finance, and business functions to deliver meaningful portfolio insights and outcomes.