GENERAL JOB INFORMATION

Job Title/Position

Manager, Mobile & Micro Lending Risk Analytics

Business Unit

Risk Management Department

Reports to

Head, Consumer and Commercial Credit

Location

Ghana

Job Grade/Level

4C (Level 7)

JOB PURPOSE

• To provide dedicated oversight, analytics, data insights of digital lending portfolio, performance monitoring, and governance support for the Bank's mobile, digital and micro-lending portfolios to ensure sustainable portfolio growth, acceptable loss levels and compliance with Group and regulatory requirements.

KEY DUTIES AND RESPONSIBILITIES

Portfolio Analytics

• Perform portfolio monitoring and trend analysis.

• Conduct vintage, roll-rate, delinquency and behavioural analyses.

• Monitor roll rates and cure rates.

• Produce portfolio performance dashboards.

• Analyse portfolio profitability and risk-adjusted returns.

Credit Risk Monitoring

• Monitor scorecard effectiveness.

• Monitor concentration risk and emerging portfolio risks.

• Review and assess lending model performance and scorecard effectiveness.

• Perform stress testing and sensitivity analyses.

• Recommend changes to lending rules as may be appropriate.

• Recommend risk appetite parameters.

Business Growth Support

• Support the responsible growth of the portfolio

• Recommend adjustments to lending parameters and portfolio limits.

Governance & Reporting

• Ensure conformance with Group requirements.

• Ensure compliance Regulatory requirements.

• Ensure risk controls are operating effectively.

• Produce management reporting and portfolio dashboards.

• Support regulatory reporting obligations.

Transformation

• Support portfolio automation initiatives.

• Improve utilisation of analytics in lending decisions.

Key Performance Indicators

• Delinquency ratio.

• Portfolio loss rates.

• Portfolio growth support.

• Vintage performance.

• Maturity and quality of management reporting.

• Model performance indicators.

• Risk-adjusted portfolio performance.

• Accuracy and timeliness of portfolio reporting.

• Analytics-driven recommendations implemented.

COMPETENCY AND SKILL REQUIREMENTS

• Degree in Statistics, Actuarial Science, Mathematics, Physics, Economics, Banking or related discipline.

• Minimum 5 years in consumer lending analytics, risk analytics or digital lending.