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.