Portfolio Manager

The Portfolio Manager is responsible for overseeing the Bank’s loan portfolio to ensure optimal portfolio quality, strong repayment performance, and effective management of credit risks.

Requirements

·       Lead and oversee the monitoring of the Bank's loan portfolio, ensuring continuous assessment of portfolio quality, repayment performance, delinquency, and overall portfolio health across all lending segments (SME, Digital Lending, Public Sector/Deducted-at-Source, and other product lines).

·       Analyze portfolio trends and performance indicators to identify early warning signals, emerging risks, concentration risks, and deteriorating accounts, and recommend appropriate corrective actions.

·       Conduct vintage and cohort analysis to track loan performance by disbursement period, identifying underwriting quality drift and informing credit policy adjustments.

·       Supervise the preparation of accurate and timely portfolio reports, dashboards, and management insights for senior management and other relevant stakeholders.

·       Lead the review and analysis of portfolio quality metrics, including PAR, NPLs, delinquency rates, collection performance, loan aging, write-offs, and recoveries.

·       Coordinate the monitoring of loan exposures and repayment behavior, ensuring that potential problem accounts are identified and escalated promptly to recovery in line with defined handover thresholds and criteria.

·       Oversee monitoring of restructured, rescheduled, and forborne loans, ensuring appropriate tracking distinct from standard delinquency reporting.

·       Provide strategic recommendations to improve portfolio performance and asset quality, working closely with Credit, Risk, Recovery, Finance, Operations, and other relevant functions.

·       Lead and manage the Portfolio Management team, including assigning responsibilities, monitoring performance, providing coaching, and ensuring achievement of team objectives.

·       Develop and improve portfolio monitoring processes, controls, dashboards, and reporting tools to enhance portfolio visibility, risk identification, and decision-making.

·       Investigate significant portfolio exceptions, deteriorating trends, and operational issues, ensuring appropriate root-cause analysis, escalation, and follow-up actions.

·       Ensure compliance with approved lending policies, internal controls, regulatory requirements, and portfolio management standards, escalating material breaches and risks appropriately.

·       Support timely and accurate portfolio input into statutory and regulatory returns, including CBN prudential reporting requirements.

·       Coordinate with Finance and Risk on IFRS 9/ECL staging classification, ensuring portfolio data appropriately supports impairment assessment and provisioning.

·       Monitor collateral and security coverage on secured lending exposures, ensuring valuations remain current and coverage ratios are tracked and reported.

·       Support management in portfolio planning and forecasting, providing data-driven insights on portfolio growth, risk exposure, expected performance, and emerging challenges.

·       Ensure the accuracy, integrity, and completeness of portfolio data, including reconciliation between the core banking/loan management system and BI reporting outputs, working with relevant teams to resolve discrepancies.

·       Prepare and compile portfolio performance analysis, key risk trends, and recommended actions to support the Head of Portfolio Management's presentations at portfolio review meetings and credit/risk committees, attending as required to provide supporting detail.

·       Participate in portfolio review meetings and credit/risk committees, presenting portfolio performance, key risks, trends, and recommended actions.

EDUCATION REQUIREMENT

• Bachelor’s degree in Accounting, Finance, Economics, Business Administration, or a related discipline.
  
• Certifications such as CIBN, CFA, ACCA are added advantage.
  
• 6 years of hands on experience.
  

Benefits

• Hybrid work model
  
• 13th month salary
  
• Comprehensive medical allowance for employee and family
  
• Annual trainings
  
• Leave Allowance
  
• Quarterly subsidy upon confirmation
  
• Competitive pay