Portfolio Analyst at NCBA Group

Job Purpose Statement

This role is responsible for executing underwriting operations, including conducting lending analysis and recommending credit decisions for the consumer and merchant businesses across all markets where Digital Business is represented. The role holder is responsible for driving lending margins by evaluating credit risk proposals and making recommendations that influence business decisions that align with the Business Model and Risk Appetite and Business objectives. They are also responsible for developing business intelligence dashboards to inform decision-making and facilitate risk monitoring, and provide financial modeling to assess and predict profitability and performance of consumer, merchant and corporate products and/or services. They are also responsible for creating financial reports based on the impact of predictive modeling assumptions as well as developing various financial models and providing cost-benefit analyses for business and strategic opportunities, market share, and profitability. SME in market research, credit risk underwriting process design and assessment techniques in a highly digital and data driven environment, and will assist Senior Manager to guide other BanqTech Units in their roles and responsibilities in a manner that optimizes credit risk margins

Ideal Job Specifications

• University degree preferably in Actuarial Science, Statistics, Economics, Finance or Business Administration,
• Proficiency and Practical experience in data analytics and use of relevant MIS, BI & MS Office applications and statistical computer languages e.g. SQL, R, Python.
• Strong IT skills and experience with office automation tools

Professional:

• Strong financial modelling, analytical and problem solving skills with an emphasis on data science and risk management.
• Experience working with and ideation and creation of data architectures.
• Knowledge of a variety of machine learning techniques (clustering, decision tree learning, artificial neural networks, etc.) and their real-world advantages/drawbacks.
• Knowledge of advanced statistical techniques and concepts (regression, properties of distributions, statistical tests and proper usage, etc.) and experience with applications.
• Excellent written and verbal communication skills for coordinating across teams.
• A drive tlearn and master new technologies and techniques.
• Project Management and Supervisory skills
• Interpersonal skills teffectively communicate with and manage expectations of internal customers and other stakeholders whimpact performance.
• Decisive and solution focused. Possess strong analytical skills with the ability tcollect, organize and analyze significant amount of information with attention tdetail and accuracy.
• Demonstrated ability tsynergize, prioritize and drive results with a sense of urgency
• Self-motivated with a strong inquisitive mindset and quest for learning
• Self-empowerment tenable development of open communication, teamwork and trust that are needed tsupport true performance and customer-obsessed oriented culture.

Desired work experience:

• 6 years banking experience with at least 3 years covering credit management and/or portfolianalysis
• Experience with portfolimanagement and reporting in a highly automated environment