Portfolio Analysis & Reporting – Team Lead @ Kuda Bank
Job Description
Jobs in Lagos, Nigeria.
Role Overview:
This position is responsible for identifying and managing risks, ensuring alignment with the bank’s risk appetite to support sustainable returns. The role is designed to protect the bank from significant losses that could arise from ineffective business strategies, execution challenges, or failure to adapt to changing market conditions. The incumbent will focus on maintaining the bank’s financial stability by evaluating and addressing risks while ensuring strategies are properly implemented and adjusted as needed.
Key Responsibilities:
- Analyze and monitor the bank’s portfolio, asset quality, liquidity, and overall capital health.
- Assess the impact of major loans on the bank’s capital, profitability, and portfolio concentration.
- Ensure compliance with both regulatory and internal limits.
- Report significant risks to the MRC and BRMC, enabling effective oversight and decision-making.
- Provide metrics and reports to rating agencies, external and internal stakeholders, and investor relations teams.
- Develop and prepare the bank’s portfolio plan based on budget proposals.
- Ensure timely submission of Capital Adequacy Ratio reports to the CBN.
- Calculate the Expected Credit Loss (ECL) in accordance with IFRS 9 standards.
- Prepare ECL movement schedules for both internal and external stakeholders (CBN, NDIC, auditors).
- Prepare monthly sectoral distribution and monitor limits.
- Conduct stress testing and scenario analysis, both internally and as per regulatory requirements.
- Manage and update the collateral register.
Requirements:
- A Bachelor’s degree in numerate disciplines such as Accounting, Statistics, Economics, or Mathematics.
- At least 8 years of relevant experience, preferably in audit or the banking sector.
- Proven expertise in risk management, portfolio analysis, and regulatory reporting within the financial services industry.
- Strong understanding of capital adequacy, liquidity management, IFRS 9, and regulatory compliance standards.
- Proficiency in financial modeling, credit risk analysis, and stress testing techniques.
- Strong analytical and reporting skills, with the ability to interpret complex data and deliver actionable insights.
- Advanced proficiency in financial tools and systems (e.g., Excel, Power BI), with experience in preparing regulatory reports and investor relations metrics.
Source: From Company Career Portal/Other Job Boards.
