Principal Analyst - Credit Risk & Portfolio Management

Principal Analyst - Credit Risk & Portfolio Management

What we look for:

- Passion for analytics: Should have solid understanding of cutting edge credit strategy leveraging data driven models. Should have hands on experience and track record of delivering projects in individual capacity

- Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements.

Job Responsibilities:

Portfolio Strategy & Credit Policy:

- Build credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle

- Partner with Africa business and product team to develop and optimize customer journey and ongoing communication to drive uptake, usage, credit education and repayment across multiple digital channels (SMS, USSD, OBD)

- Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers

- Building framework for measuring periodic performance of existing strategies

Portfolio Monitoring, Forecasting & Governance:

- Responsible for Portfolio P&L KPIs and ensure closed loop governance with banks & telcos to set and deliver on KPI targets

Growth Opportunities

- Identify new customer segments and product constructs and suggest revenue enhancement opportunities

- Collaborate with product and business teams to develop and implement a "Test & Learn" agenda to continuously test new product constructs, refine offers and optimize the marketing effort/budget across the customer life cycle.

Required Qualifications & Skills:

- Deep knowledge of scorecards, credit policies and risk management in an unsecured retail lending context; , defining underwriting strategy & exposure management and owning portfolio KPIs for risk & revenue

- Experience in leading a 2-3 member analytics driven credit policy team for specific markets/products; Hands on experience as a data driven credit strategy analyst to provide functional guidance to team