Ecobank Transnational Incorporated Logo

Ecobank Transnational Incorporated

Manager, Mobile & Micro Lending Risk Analytics

Posted Yesterday
Be an Early Applicant
Remote
Hiring Remotely in Ghana
Senior level
Remote
Hiring Remotely in Ghana
Senior level
Manage analytics and risk monitoring for mobile, digital, and micro-lending portfolios. Analyze portfolio performance, delinquency, vintage trends, roll rates, profitability, scorecard effectiveness, concentration risk, stress testing, and risk-adjusted returns. Produce dashboards and regulatory reports, recommend lending rules, risk appetite parameters, and portfolio limits, support responsible growth, ensure governance and compliance, and advance automation and analytics-driven lending decisions.
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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. 

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