Consumer Collections MIS Personnel at United Bank for Africa (UBA)

Job Objective(s)

• The primary responsibility is using MIS skill in driving collection and recovery performance, daily activities through the various report generated and quality of our consumer loan portfolio.

Responsibilities

• Monthly Consumer & SME Portfolio reports to Executive Management & BCC for UBA Nigeria & RoA.
• Product and Subsidiary limit monitoring to prevent portfolios from exceeding approved global limits and advice Product Teams on the need to obtain approval for limit increments where applicable.
• Weekly report on the performance of digital loans for the ED, Risk Management and GH, consumer banking.
• Portfolio performance and Recovery reporting to the Head Consumer Credit and Regional Collection Heads for monitoring against set targets.
• Post-disbursement of target loans via MIS to ensure they are in compliance with policy guidelines and accurate fees (Insurance, Management Fees etc.) are adequately taken.
• Counter-party Performance Reports to the Product Management Team Review and recommend from time to time the delisting and relisting of organisations based on NPL ratios.
• Recovery of overdue obligations on qualifying loans via GSI trigger (Nigeria).
• Address Consumer and SME customer queries.
• Monitor all collection and recovery triggers for consumer and SME portfolio management both preventive and resolution.
• Organize the weekly and Monthly consumer credit collection and recovery portfolio performance review.

Educational Qualifications

• Bachelor's Degree in any related field.
• Masters and / or other professional qualification will be an added advantage.
• Professional Qualifications would be an added benefit.

Experience:

• Minimum of 3+ years in Risk Management.
• Basic knowledge of IFRS 9 and Prudential Guidelines.
• Must have hands on experience in managing large data sets.
• Capable of resolving escalated issues arising from operations and requiring coordination with other departments

The ideal candidates must be conversant with the following:

• Complex financing methods
• Financial statement analysis
• Credit risk management
• Knowledge of banking operations
• Understanding of CBN money policies and guidelines
• Credit analysis
• Knowledge of relevant legal requirements
• Knowledge of insurance claim process

Desired Skills:

• Intermediate to advanced knowledge of Microsoft Excel, Power BI/Tableau.
• Knowledge of SQL is an added advantage.
• Knowledge of R and other statistical software is an added advantage.
• Knowledge of credit scoring techniques is nice to have.
• Excellent interpersonal, and negotiation skills.
• A good understanding of risk, credit policies and procedures.
• Excellent communication, planning, conflict resolution, organization, problem solving and analytical skills.
• Customer account analysis skill.
• Root Cause analysis and providing the right resolution plan for delinquent account.