Manager, Mobile & Micro Lending Risk Analytics

Job Grade: 4C

Job Title/Position

Manager, Mobile & Micro Lending Risk Analytics

Business Unit

Risk Management Department

Reports to

Head, Consumer and Commercial Credit

Ghana

Job Grade/Level

4C (Level 7)

• 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.

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.

1

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.

• Degree in Statistics, Actuarial Science, Mathematics, Physics, Economics, Banking or related discipline.
• Minimum 5 years in consumer lending analytics, risk analytics or digital lending.