(LDC) Manager - Provisions Profitability and Risk Appetite.Finance
MTN · Roodepoort
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.
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.
Limited Duration Contract- The core purpose of the Manager: Provisions, Profitability and Risk Appetite is to guide and manage the modelling and supporting analysis to estimate expected credit loss in line with the IFRS 9 standard for the post-paid portfolio. It is crucial to ensure the compliance, accuracy and efficiency of monthly provision runs, model recalibrations, monitoring of provisions and its component parameters, as well as analysis of the impacts of key assumptions. The role will also manage communications and provisions related submissions to external audit. Furthermore, it will be responsible and accountable for the analysis and monitoring relating to profitability modelling that supports the setting and maintenance of the credit risk appetite to ensure onboarding of customers in line with the business strategy. These models will need to be kept in line with best market practice, recalibrated periodically, and leveraged to provide input into collection targets and pricing