Manager, Mobile & Micro Lending Risk Analytics

About the role

This position sits in the Risk Management department and reports to the Head of Consumer and Commercial Credit. Its purpose is to provide oversight, analytics and data insights on the bank's mobile, digital and micro-lending portfolios, monitor performance and support governance so that the portfolio grows sustainably, maintains acceptable loss levels and complies with Group and regulatory requirements.

Key responsibilities

• Perform portfolio monitoring and trend analysis, including vintage, roll-rate, delinquency and behavioural analyses, and monitor roll and cure rates
• Produce portfolio performance dashboards and analyse profitability and risk-adjusted returns
• Monitor scorecard effectiveness, concentration risk and emerging risks; review lending models and recommend changes to lending rules and risk appetite parameters
• Perform stress testing and sensitivity analyses
• Support responsible portfolio growth by recommending adjustments to lending parameters and limits
• Ensure conformance with Group requirements and regulatory compliance, and that risk controls work effectively
• Produce management reporting and dashboards, support regulatory reporting, and support automation initiatives and better use of analytics in lending decisions

Required profile

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