for VP, Risk & Portfolio Management (relevant experience: 7-10 years)
The finance industry has ignored billions of deserving individuals. We are a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs. This role will be accountable for the driving the credit policy decisions across the customer life cycle as well as jointly own the Lending Portfolio P&L; with the Africa Business team, in ensuring acceptable risk performance as well as driving top line revenue targets by finding and executing on expansion opportunities across partner customer segments (banks and telcos).
- Build credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle
- Partner with Africa business and product team to develop and optimize customer journey and ongoing communication to drive uptake, usage, credit education and repayment across multiple digital channels (SMS, USSD, OBD, Mobile App)
- 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, Forecasting & Governance
- Responsible for Portfolio P&L; KPIs and ensure closed loop governance with banks & telcos to set and deliver on KPI targets
- Develop portfolio tracking metrics and design reports leveraging existing tech team
- Coordinate with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team Comviva Internal
Growth Opportunities
- Identify new customer segments and product constructs and suggest revenue enhancement opportunities
- Collaborate with product and business teams to develop and implement a “Test & Learn” agenda to continuously test new product constructs, refine offers and optimize the marketing effort/budget across the customer life cycle.
Required Qualifications & Skills
- Deep knowledge of scorecards, credit policies and risk management in an unsecured retail lending context; defining underwriting strategy & exposure management and owning portfolio KPIs for risk & revenue
- Experience in leading a 2-3 member analytics driven credit policy team for specific markets/products; Hands on experience as a data driven credit strategy analyst to provide functional guidance to team
- Good analytical thought process and aptitude for problem solving ; Hands on experience in data extraction using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack)
- Passion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithms (preferably multiple)
- Strong entrepreneurial drive
Positive To Have
- Previous experience in managing P&L; for credit portfolio
- Experience in working with credit card firm/Digital Lending firms
- Hands on experience in working with Telecom data