Finance Business Partner - Credit and Treasury ManagementRecruiter: Old Mutual Life Assurance Company (Malawi) LimitedLet's Write Africa's Story Together!Old Mutual is a firm believer in the African opportunity and our diverse talent reflects this.Job DescriptionOld Mutual is a premium African financial services organisation that offers a broad spectrum of financial solutions to retail and corporate customers across key market segments.
We are rooted in our purpose of Championing Mutually Positive Futures Every Day and believe that a great customer experience is anchored in a great employee experience.ROLE DETAILSRole overviewAn exciting opportunity exists within Old Mutual Corporate to manage the Small Medium Enterprises (SME) Lending portfolio.
The main pillar is to manage credit risk in line with the strategic objectives, external environmental factors, and risk appetite.
In addition, the Banking Specialist will be accountable for managing market risk, capital risk, and liquidity risk relating to this book, in line with banking best practice.Key Result AreasCredit RiskResponsible for deriving the OML credit strategy across the OMC credit portfolio by considering the growth prospects, return expectations of the underlying opportunities, and the corresponding risk profile.Development and implementation of the OMC SME Lending Risk framework.Deep understanding of SME credit risk, including deal structuring, financial statement analysis, and an understanding of financial covenants.Regular portfolio monitoring and reporting, including tracking key performance indicators such as CAR, CLR, NPL, and collection rates.Ability to interpret and apply macroeconomic trends to inform lending decisions.Identify the emerging risks across the credit landscape, and proactively adjust the credit strategy in response to these risks.Development of the risk budgeting tools and methodologies for credit risk.Enhance the Credit Reporting & Monitoring framework to meet the requirements of various stakeholders.Market, Capital and Liquidity RiskLeading the development of trading and banking book market risk, liquidity risk, and capital risk measurement, monitoring, and reporting capabilities.Implementation of market risk, credit risk, and capital risk policies, standards, and internal controls.Setting market risk, credit risk, liquidity risk, and capital risk appetite.Supporting the establishment of a strong model governance framework for liquidity, market, and capital risk.OtherAssist with delivery of relevant reporting to Boards and management Committees.Support capital & funding optimization and effective resource allocation.Develop strong Stakeholder Relationships across OML Business Units.Requirements: Skills, Qualifications and Experience requiredMinimum Requirements:Relevant financial qualification and relevant post-graduate qualification geared toward finance and investments.10+ years of relevant experience in Banking, with a strong preference for candidates with exposure to Credit Management relating to the SME market.Ability to work independently as well as part of a team.Excellent communication and presentation skills.Excellent analytical and writing skills with attention to detail.Ability to maintain confidentiality of information.Excellent organisational, people, planning, and prioritising skills.Solid business acumen.Adaptable and able to cope with a dynamic environment.Reliable, have integrity, and display a professional approach.SkillsAccounting, Adaptive Thinking, Budget Management, Data Compilation, Financial Auditing, Financial Modeling, Management Accounting, Numerical Aptitude.EducationNQF Level 9 - MastersClosing Date11 February 2025, 23:59The appointment will be made from the designated group in line with the Employment Equity Plan of Old Mutual South Africa.
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