Senior Risk Analyst

Portfolio Strategy & Credit Policy

• Develop and implement credit strategies aligned with GTM goals, including customer eligibility, loan limits, and exposure decisions across the lifecycle

• Leverage telecom, wallet, bureau, and mobile app data to optimize underwriting and customer segmentation

• Design and enhance customer journeys and engagement strategies to improve usage, credit awareness, and repayment behavior across digital channels (App, SMS, USSD, OBD)

• Collaborate with external collection agencies and optimize collection strategies, including direct debit rules and delinquency management

• Identify growth opportunities within partner customer segments to drive top-line revenue

• Build frameworks to measure and evaluate the effectiveness of credit strategies and portfolio performance

Portfolio Monitoring & Governance

• Develop portfolio tracking metrics and dashboards in collaboration with the tech team

• Monitor key portfolio indicators including PDD (Post Disbursement Documents) MIS and ensure pendency is within acceptable limits

• Coordinate with partner teams to manage due/overdue PDD processes effectively

• Drive cross-functional collaboration with data science, product, and operations teams to maintain portfolio health

• Propose and implement continuous improvements in risk, compliance, and operational efficiency

Key Skills Required

Technical & Analytical Skills

• Strong understanding of credit risk management, scorecards, and underwriting in unsecured lending

• Hands-on experience with data-driven credit strategy and policy implementation

• Proficiency in SQL, Python, and PySpark (Big Data environment such as Hadoop/Spark preferred)

• Familiarity with machine learning algorithms and their application in credit decisioning

Business & Strategic Skills

• Strong analytical thinking and problem-solving ability

• Ability to balance risk management with business growth objectives

• Experience in developing and optimizing credit strategies across the customer lifecycle

• Data-driven mindset with a focus on continuous improvement and experimentation

Process & Execution

• Process-oriented with the ability to design scalable and efficient operating models

• Strong focus on data collection, monitoring, and performance tracking

Stakeholder Management

• Proven experience working with cross-functional teams (product, data science, operations)

• Ability to manage relationships with external partners such as banks, telecom companies, and collection agencies