Senior Portfolio Manager Job NCBA

Banking Jobs, NCBA Group Jobs.

• We are seeking a dynamic and results-driven Senior Portfolio Manager to join our Credit Risk Division. The role is central to safeguarding and enhancing the quality of the loan book across Corporate Banking, SME/Business Banking, and Consumer Banking.
• The Senior Portfolio Manager will oversee portfolio performance, Credit Scoring, Model Validation & Advanced Analytics, IFRS 9 compliance, and strategic reporting, while driving innovation and process excellence. Working closely with senior leadership and business teams, the role ensures proactive risk management, alignment with regulatory and Group standards, and sustainable portfolio growth.

Responsibilities

Shape Credit Risk Strategy

• Oversee portfolio performance across Corporate, SME, and Consumer Banking segments. Provide insights on asset quality, sectoral exposures, and macroeconomic impacts to guide strategic decision-making.
• Minimize expected credit loss, portfolio at risk, and impaired assets through proactive management and forward-looking analysis.
• Leverage advanced data analytics and data engineering capabilities to identify portfolio trends, emerging risks, and opportunities for portfolio optimization.

Drive IFRS 9 & ECL Oversight

• Manage the end-to-end ECL process, including methodology design, review, and validation. Deliver clear impairment insights to senior leadership and the Board, ensuring transparency on impairment drivers.
• Provide variance and attribution analysis to explain changes in portfolio performance and their impact on profitability.

Credit Scoring, Model Validation & Advanced Analytics

• Oversee review, validation, monitoring and performance assessment of credit scoring models ensuring accuracy, robustness, and regulatory compliance.
• Develop and enhance analytical frameworks, automated monitoring tools, and management information dashboards to support proactive portfolio risk management and strategic decision-making.

Governance, Compliance & Risk Assurance

• Ensure compliance with CBK prudential requirements, IFRS standards, and internal policies. Maintain a robust risk control environment with high-quality portfolio data across core banking and credit systems.
• Lead responses to internal and external audits and regulatory inspections, ensuring successful outcomes.
• Regularly review and recommend updates to the Bank’s Credit Policy and assess the effectiveness of existing risk management procedures.

Collaboration & Influence

• Build and nurture strong partnerships with Business, Business Support, Finance, Data Management, and Collections & Recoveries to enable cohesive portfolio management.
• Balance business growth objectives with sound risk practices, while supporting recovery strategies to reduce NPL flows and optimize collections.

Innovation & Process Improvement

• Champion automation of portfolio monitoring and reporting processes to enhance efficiency and accuracy.
• Develop and implement digital dashboards and credit risk monitoring tools to provide real-time insights and track performance against expectations.
• Automate the generation of insights and measure their value to ensure continuous improvement in portfolio management.

Leadership & Capacity Building

• Serve as a subject-matter expert, mentor junior analysts, and promote a culture of continuous learning, accountability, and data-driven decision-making.
• Lead the preparation and presentation of analytical reports to senior stakeholders, ensuring complex credit risk insights are clearly communicated and actionable.

Job Specifications

Academic Qualifications:

• University degree (Upper Second Division or equivalent) in Finance, Business, Economics, Statistics or a related field.

Professional Qualifications:

• Relevant professional qualification in Banking, Accountancy, Credit Risk Management, or Financial Analysis (e.g., CFA, CPA, FRM).
• Additional certifications in data management, data analytics, or related IT programs are a plus.

Desired Work Experience:

• Minimum of 5 years’ experience in the banking sector, with at least 3 years in portfolio analysis or credit risk management roles.
• High level proficiency in IFRS 9 Modelling (at least 2 years’ experience)
• Demonstrated experience in financial analysis and credit portfolio management.
• Proven ability to develop collaborative relationships with key internal stakeholders to achieve objectives and prioritizations
• High proficiency in spreadsheet tools (e.g., Excel) and in presenting data effectively.

How to Apply

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