AVP - Risk & Portfolio - Credit Risk - Banking (7-12 yrs)

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, Mobile App)

- 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

- Develop portfolio tracking metrics and design reports leveraging existing tech team

Coordinate with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team

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

- Good analytical thought process and aptitude for problem solving ; Hands on experience in data extraction using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack)

- Passion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithms (preferably multiple)

- Strong entrepreneurial drive

Good to have:

- Previous experience in managing P&L for credit portfolio

- Experience in working with credit card firm/Digital Lending firms

- Hands on experience in working with Telecom data