Principal Analyst Risk And Portfolio Management

Job Description:

The finance industry has ignored billions of deserving individuals. We are a mission a driven team of finance, analytics, and technology professionals focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs.

What we are looking for:
Passion for analytics: Should have a solid understanding of cutting-edge, credit/fraud strategy leveraging risk models, preferably in a Big data
environment.

Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements.

Stakeholder Management: Should have a track record of working with partners across functions internally as well as externally to build effective relationships and drive business deliverables.

Willingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.

Job responsibilities:

Portfolio Strategy & Credit Policy
Develop credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle using telecom, wallet, bureau data, mobile app
Develop and optimize customer journey and ongoing communication to drive usage, credit education and repayment across multiple digital channels (Mobile App, SMS, USSD, OBD)
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 strategies Portfolio Monitoring & Governance
Develop portfolio tracking metrics and design reports leveraging existing tech team
Monitoring PDD MIS, Follow-up for pending PDDs, PDD pendency to be kept within acceptable limits.
Coordination with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team

Required Qualifications & Skills:
Knowledge of scorecards, credit policies and risk management in an unsecured context
Hands on experience as a data driven strategy/policy analyst for more than 1 year
Good analytical thought process and aptitude for problem solving ; Hands on experience using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack) preferred
Passion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithmsi
Strong entrepreneurial drive