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Job Title: Manager – IFRS 9, Portfolio Analytics & Reporting Department: Credit Function Level: Manager Reports To: Head of Credit Underwriting Basic Purpose The Manager – IFRS 9, Portfolio Analytics & Reporting is responsible for providing high-quality credit portfolio analytics, IFRS 9/ECL oversight, management information, and forward-looking portfolio insights to support informed credit and business decisions at Equity Bank Tanzania. Main Duties and Responsibilities – Coordinate the Bank’s credit portfolio analytics and reporting activities. – Manage IFRS 9 Expected Credit Loss (ECL). – Monitor ECL movements by: – Product – Segment – Branch – Sector – Customer type – Risk grade – Vintage – Stage – Analyse significant increases in credit risk (SICR). – Analyse the key ECL drivers, including: – Probability of Default (PD) – Loss Given Default (LGD) – Exposure at Default (EAD) – Discounting – Forward-looking economic scenarios – Macroeconomic assumptions – Provide portfolio-level analysis supporting Finance and Risk in ECL calculation and reporting. – Identify unusual or unexpected movements in ECL and provide explanations to management. – Support periodic IFRS 9 model performance reviews and validation exercises. – Ensure portfolio data for portfolio analysis calculations is accurate, complete, and reconciled. – Track cures and movement among loan stages back to performing status where applicable. – Recommend early intervention where stage migration indicates emerging portfolio risk. – Establish a robust vintage analysis framework to monitor the quality of newly originated loans. – Convert complex data into concise management insights. – Identify emerging concentration risks and provide recommendations to the Head of Credit Portfolio Management. – Analyse whether portfolio returns adequately compensate for credit risk. – Establish strong controls over credit portfolio data. – Reconcile credit portfolio data between source systems and management reports. – Ensure accurate classification of exposures. – Ensure consistency of data definitions across Credit, Risk, and Finance. – Establish appropriate controls over data extraction and reporting. – Support internal and external audits relating to IFRS 9 ECL, credit portfolio reporting, and data integrity. – Provide accurate portfolio analytics and data required for regulatory reporting and supervisory reviews, working with Finance, Risk, and Compliance. – Develop analytical indicators that identify emerging deterioration before accounts become NPLs. – Support monthly and quarterly portfolio review meetings by providing relevant portfolio analytics and insights. – Monitor guarantee schemes reporting accuracy, including PASS, AGF, and other applicable schemes. Qualifications – University degree in Economics, Business Administration, Finance, or a related field. Skills & Knowledge – Strong interpersonal, communication, leadership, and relationship-building skills. – Effective communication in English, both written and spoken. – Excellent Microsoft Office Suite proficiency. – Networking and market intelligence skills. – Prior experience working with C-suite professionals and teams. – Knowledge of IFRS 9 reporting. – Strong portfolio analytics and monitoring skills. Experience – Minimum 4–6 years’ experience in Credit Administration and IFRS 9, Portfolio Analytics & Reporting.
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