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.
Limited Duration Contract (LDC)
Key Performance Areas: Core, essential responsibilities outputs of the position (KPA's)
Provision Model Management
• 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 optimise 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 organisational 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
Key Deliverables
• 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 targets
• Alignment 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
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
• Software: Oracle SQL, SAS, Power Bi, R, Python, Presto/Hive
About MTN South Africa
Launched in 1994, MTN South Africa is a subsidiary of MTN Group, a leading emerging market operator with a clear vision to lead the delivery of a bold new digital world to our customers. We are inspired by our belief that everyone deserves the benefits of a modern connected life. The MTN Group is listed on the JSE Securities Exchange in South Africa under the share code ‘MTN’. Our strategy is Ambition 2025: Leading digital solutions for Africa’s progress.