Manager, Mobile & Micro Lending Risk Analytics

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. 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. 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.