Analyst - Credit Risk - IT (2-5 yrs)

Credit Risk Analyst

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.

- 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.