Recruitment notice: ASSISTANT RISK AND COLLECTION DIRECTOR

POSITION INFORMATION / JOB POSITION INFORMATION
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Name of the position / Job title: ASSISTANT RISK AND COLLECTION DIRECTOR
Publication date / Publish date: 2023-08-03 14:03:24
Mission location (Country/City) / Location ( Country/City): Douala – Cameroon
Type of contract / Contract type: CDI
Planned entry date / Start date: 09/18/2023
Level of experience / Experience level: 5-7 years

Mission / Job description:
As part of the strengthening of the Risk and Recovery team, Advans Cameroon is launching an internal and external call for applications for the position of “Deputy Director of Risk and Recovery”, based in Douala.

Place of function: Headquarters Status: ADEP

Contract: CDI Number of positions: 1

Under the management of the Risk and Recovery Director, you will be mainly responsible for supervising the risk management functions of Advans Cameroun, in particular credit risk, recovery , operational risk and internal control activities, ensuring that the risk appetite defined by the Board of Directors and prudential standards are respected.

YOUR MAIN DUTIES:
CREDIT RISK

Supervise, coordinate and control the activities of the Credit Risk unit;
Ensure the analysis and issuance of an opinion (“Risk Opinion”) on any file to be presented to the credit committee for an amount greater than the threshold defined in the credit standard; Participate in the credit committee for the amounts within its delegation;
Coordinate the monitoring and analyzes of claims, exposure and concentration of the bank’s credit portfolio, and present these analyzes within the framework of the MRCs and risk committees of the Board;
Define and propose to the general management the delegations, the eligibility criteria of the members of the credit committee;
Design and implement the necessary changes to strengthen the credit risk control system (credit policy, exposure limits, sector sheets, etc.);
Participate in the process of creating/revising credit policies, procedures and methodology;
Ensure the awareness and awareness of Advans employees on credit risk management, lead/participate in training.
CREDIT COLLECTION

Oversee the definition of recovery policies and methodologies;
Supervise amicable and contentious collection activities, based on key collection performance indicators;
Participate in the definition of recovery strategies for high-value files, make decisions on amicable and contentious recovery files, within the framework of the recovery committee;

Propose innovative strategies to improve the performance of Collection as a whole;
Evaluate the operational efficiency of the collection process and make recommendations to the hierarchy and to the Group to improve it.
OPERATIONAL RISK – INTERNAL CONTROL

Develop and update, on an ongoing basis, risk mapping: identification and categorization of risks, description of the associated internal control systems;
Support and coordination of the actions of all players aimed at identifying and improving the internal control system: incident database, operational risk action plan, business continuity plan (BCP), implementation of controls dedicated, definition and monitoring of risk indicators, approval process for new risks, etc.;
Validation of procedures/policies from a risk and internal control perspective
Consolidate and analyze reporting of risk indicators, supervision controls carried out by all departments, controls carried out by internal controllers and propose corrective solutions;
Review employee delegations & authorizations: validation of certain transactions, access rights to systems (SAGE, ORBIT, etc.);
Ensure the awareness and awareness of Advans employees on the management of operational risks, lead / participate in training;
In collaboration with the general management and the finance department, as well as with the Group, set up insurance cover for the risks concerned (Global Banking, cyber, etc.): contracting, declaration and monitoring of claims.
GOVERNANCE AND REPORTS

Develop and regularly update a series of reports for management and the board of directors on all activities of the risk and compliance department (operational risk, internal control, credit risk, compliance);
Prepare and lead the Risk Management Committee, including the preparation of minutes;
Prepare and participate in the Board of Directors’ Risk Committee, in particular by writing the minutes;
Participate in the ALCO committee;
Participate in the management committee of the real estate assets resulting from recovery actions;
Responsible for monitoring the risk of non-compliance of prudential ratios.
Profile / Profile:
Skills and qualities required:

Skills

Ability to work in a team;
Delegate and evaluate;
Supervise/lead a team;
Know how to lead change policies;
Know how to manage conflicts with customers;
Know how to negotiate;
Ability to manage emergency situations;
Know how to lead a unit and demonstrate strategic vigilance;
Know how to weave and maintain a network of relationships.
Qualities

Ability to listen and dialogue
Team spirit
Availability and responsiveness
Sense of organization
Having a sense of initiative
Knowing how to make decisions
Knowing how to adapt
Being results-oriented
Being rigorous and precise
Demonstrating leadership and authority
Demonstrate responsibility
Know how to analyze and synthesize
Know how to convince
Profile required:

Level of studies: Bac+5 in Audit / Operational risk management / Banking

At least 10 years of experience in the business, including 5 in a position of responsibility.
Microfinance or banking experience is an asset.
Training in Risk Management, in particular mastery of the Basel III, IV or V regulations, would be an asset.

Potential candidates wishing to take up this position are invited to send their CV + cover letter to the attention of the Human Resources Department by following the link: https://advans.aragon-erh.com/new_rec_portal/index/CMR # or on our website www.advanscameroun.com no later than 10/08/2023.