Assistant Vice President - Risk & Portfolio Management

Description:

Job Responsibilities:

Portfolio Strategy & Credit Policy:

- Develop and implement credit strategies that align with GTM plans, customer eligibility criteria, and exposure limits throughout the loan lifecycle.

- Collaborate with Africa business and product teams to enhance customer journeys and communication, driving adoption, usage, repayment, and credit education across digital channels (SMS, USSD, OBD, Mobile App).

- Partner with external debt collection agencies and refine direct debit rules to improve recovery effectiveness for delinquent segments, while optimizing collection offers.

- Establish frameworks to measure and evaluate the performance of existing strategies on a periodic basis.

Portfolio Monitoring, Forecasting & Governance:

- Own portfolio P&L KPIs and ensure governance in collaboration with banks and telcos to achieve agreed targets.

- Design and implement portfolio tracking metrics and reporting systems in partnership with the technology team.

- Coordinate with partner teams on due/overdue PDD processes, proposing and executing solutions to maintain portfolio health by interfacing with data science, product, and business operations teams.

Growth Opportunities:

- Identify new customer segments and product constructs to unlock revenue growth opportunities.

- Work closely with product and business teams to design and execute a Test & Learn agenda, continuously experimenting with product constructs, refining offers, and optimizing marketing spend across the customer lifecycle.

Required Qualifications & Skills:

- Strong expertise in scorecards, credit policies, and risk management within unsecured retail lending; proven ability to define underwriting strategies, manage exposure, and deliver portfolio KPIs for risk and revenue.

- Experience leading a small analytics-driven credit policy team (23 members) for specific markets/products, with hands-on background as a data-driven credit strategy analyst.

- Solid analytical mindset with problem-solving aptitude; proficient in data extraction using SQL, Python, and PySpark SQL (Big Data Hadoop/Spark stack).

- Passion for leveraging data and algorithms to drive underwriting decisions; prior exposure to multiple ML algorithms preferred.

- Demonstrated entrepreneurial drive and ownership mindset.

Preferred Experience (Good to Have):

- Prior experience managing P&L for credit portfolios.

- Background in credit card or digital lending firms.

- Hands-on experience working with telecom data.