Credit Analysts - Digital Credit

Job Description

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