Manager IFRS 9, Portfolio Analytics & Reporting job at Equity Bank Tanzania

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.

• 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.

• 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.

• University degree in Economics, Business Administration, Finance, or a related field.