Manager, Credit Business Processes

Risk Management: understanding all risks – from the economic to the political – that could affect our global business, and offering guidance to all parts of the bank

Job Purpose

To design digitised credit processes with a focus on continuous improvement and/or intelligent automation in alignment with business requirements in order to streamline the credit lifecycle for origination, account management and collections.

Key Responsibilities/Accountabilities

Requirements gathering:

  • Gathers and interprets credit business requirements in order to prepare the appropriate business process flows for the current state.  Facilitates the necessary workshops to obtain stakeholder input.
  • Obtains approval and agreement of the current state from the business users.
  • Analyses the current state processes and identifies improvement opportunities for intelligent automation / digitisation.  Identifies any potential IT architecture challenges and obtains guidance and input from relevant stakeholders – where required, re-works process enhancements accordingly.
  • Identifies where decision agents may need to change and alerts relevant team members.

Process improvement :

  • Designs proposed process flows highlighting all the potential improvements across process, technology and people for consideration by relevant stakeholders.
  • Considers the downstream impact on the rest of the credit lifecycle when designing processes (e.g., a change in origination may impact the collections process).  Presents to relevant product owners to ensure that the broader implication of the changed credit processes are considered and agreed to.
  • Obtains approval from the relevant business and IT stakeholders in order for build to proceed.
  • Presents at relevant programme increment (PI) sessions in order to prioritise the ‘build’.  Acts as main interface into all PI sessions.
  • Engages with GRG to ensure that changed processes are documented in the required format and available for business consumption.
  • Adheres to the relevant risk and compliance and IT requirements when designing processes.

Build process:

  • Oversees all ‘build’ work for the new processes to ensure that build happens according to specification and that any changes / blockers are accounted for and documented.
  • Alerts business stakeholders of any changes and re-design work required (e.g., where decision agent / IA teams encounter difficulties resulting in design changes).
  • Participates in any UAT sessions in order to provide relevant input and guidance.
  • Works with other program leaders to drive the definition and refinement of the program backlog.
  • Liaises with relevant Business Release communication teams to ensure that all users will be informed of relevant changes, including learning and development.  Provides the necessary content for all training material.

Benefit realisation:

  • Designs the appropriate metrics and measurements (i.e. dashboard) that will enable benefit realisation tracking.
  • Monitors and tracks the performance of the implemented process against predicted benefits and reports accordingly (with appropriate recommendations / lessons learnt).

Measures:

  • Improved processes as gauged by line manager and stakeholders
  • Benefits realisation of new process designs
  • Implementation of new process in line with required timelines and budget
  • Adherence to risk and compliance requirements

 

Preferred Qualification and Experience

 

  • Minimum Qualification: First Degree:   Business Commerce/IT and Computer Sciences
  • Process re-engineering certificates (e.g., Six Sigma, etc.)
  • 5-7 Years Experience in the design and build of credit processes.  Knowledge of the credit lifecycle.  Knowledge of Agile and process re-engineering techniques.

 

Knowledge/Technical Skills/Expertise

 

  • Configuration Management
  • Stakeholder Management
  • Systems Desig
  • IT Systems
  • IT Applications
  • IT Knowledge
  • IT Strategy and Planning
  • Structured Test Methods and Processes
  • Vendor Managemennt

How To Apply?

  1. Apply Online Here 

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