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 strategiesPortfolio 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
experience
12show more 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 strategiesPortfolio 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
experience
12show more
