Manager- Portfolio Management job at NCBA Bank Uganda

Job Purpose Statement

Management of all aspects of portfolio management and reporting as relates to the quality of risk assets on all customer segments of the Bank i.e. Corporate Banking and Retail Banking. Portfolio performance monitoring through compiling and analysing portfolio reports, highlighting the credit risk concerns for discussion of the trends with the Business heads and product managers, and recommending action to mitigate credit risk concerns. Ensure high level standards of operations, controls, audit and compliance in credit facilities and data submitted to Credit Reference Bureaus (CRBs).

Key Accountabilities (Duties and Responsibilities)

Financial 15%

• Shape Credit Risk Strategy – Oversee portfolio performance across Corporate, SME, and Retail 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.

Internal Business Processes 50%

• 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.
• Provide daily/weekly/monthly reports to the relationship management teams on accounts exhibiting concerns e.g. unauthorized facilities, accounts above limit/ in excess, past due portfolio, portfolio with potential delinquency
• Monitor trends of Non-performing loans and provide portfolio insight to business on causes of NPL growth for use by business in the improvement of product programs.
• Prepare management reports on all Credit portfolios that are accurate and presented on time.
• Generation and distribution of overdraft facility expiries report regularly to facilitate action by the Credit Analysis & Approvals team, Credit analysts and Relationship managers for facility renewal or cancellation.
• Ensure timely submission of CRB reports to the different Credit Bureaus before the 10th day of every month.

Customer 25%

• Managing all customer complaints and queries by resolving or escalating all delinquencies on facilities arising from internal errors or system failures.

Learning and Growth 10%

• Ensure that there is proper succession plans for key roles and career development for self/direct report.
• Career development through coaching, mentoring, job rotation & developmental projects.
• Ensure that direct reports/self-achieve at least 40 hours of learning/training through E-learning, Internal & External training activities.

Job Specifications

Academic qualification

•  A Bachelor’s degree in Business Management/Business Information Technology (BBIT), Finance, Quantitative Economics, Statistics or a related field.
• MBA will be an added advantage

Professional Qualification

• 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

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