Credit Analysts – Digital Credit

To effectively support the in developing strategies throughout the credit cycle including prospect targeting and acquisition, exposure management, customer marketing, collections and recovery. This also includes ensuring successful score card deployment, implementation and performance tracking, building and tracking test cases, Sampling responsibility to ensure credit quality is maintained as well as Perform portfolio quality reviews. To support the Head of Retail Credit risk in building monthly Scheme portfolio reports, forbearance reviews, limit reviews as well as annual reviews as and when required. Additionally lead the Macroeconomics section in the department by circulating highlights in the news affecting the portfolio, monthly economic reviews, sector analysis as well as competitor analysis on the retail credit risk portfolio.

Key accountabilities/Deliverables/Outcomes

Accountability: Development of Risk Management Models – 20%

Design and development of effective credit risk management models for the mobile lending product

Design and development of application and behavioural scorecards for different products/markets portfolio

Definition of a credit strategy for each portfolio to optimize portfolio profitability

Continuous research and testing to assure effectiveness of the credit risk models and tools

Accountability: Execution and Maintenance of Risk Management Models – 30%

Execution and maintenance of these credit risk models to optimize profit

Review and underwrite credit strategies that may require subjective input

Accountability: Portfolio Monitoring – 30%

Portfolio monitoring to identify trends and mitigation strategies to achieve target credit risk metrics

Define and manage a portfolio management strategy that assures compliance to performance metrics

Preparing monthly macro-economic reviews on the exchange rate, inflation, interest rates and other factors affecting the economic environment

Carrying out regular competitor analysis with regard to products and financials

Regularly updating the macro-economic library in view of the required Sectors intelligence and regulatory landscape

Co-related portfolio performance and macro-economic environment

Accountability: Quality Assurance – 20%

Contribution to the product development to assure quality is integrated to product design

Contribute to product and process design and development to build quality at design

Contribute to Sales strategies to positively influence the target population and product uptake

Role/person specification

Qualification

A Bachelor’s degree in a maths/statistics/economics/ operations research related field

Experience

Comprehensive credit skills

General commercial and industry awareness

Working knowledge of risk management policies procedures and pricing

High analytical ability

Proven excellent presentation skills