Jobs at NCBA Group

JOB PURPOSE STATEMENT

The primary purpose of this role is evaluation and structuring of financial risk processes for Merchant & Ecosystem products including ensuring quality appraisals of credit applications across the LDFS Group through performing research and due diligence activities in partnership with LDFS Line of Business (LOB) executives, data science unit and partners. This includes reviewing and screening potential market, partnership and product structures and strategic collaboration opportunities in partnership with and on behalf of LOB Sponsors.

The role holder is responsible for driving quality lending margins by evaluating financial and credit risk proposals and making recommendations that influence business decisions that align with the LDFS Business Model, Risk Appetite and Business objectives, and will be responsible for making decisions on SME and Ecosystems lending proposals as per delegated authority, and in line with the Credit Risk Management policy and the SME Product Guideline.

Subject Matter Expert in credit risk underwriting process design and assessment techniques in a highly digital and data driven environment, market research and financial risk management and will assist Senior Manager to guide other LDFS Units in their roles and responsibilities in a manner that optimizes risk margins.

KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)

Financial (10%)

• Proactive management of Cost of Risk by ensuring that they are maintained at the prescribed and budgeted level (Quality of portfolio - Maintain PAR/ NPL & impairment charge within set metrics) through prudent lending practices and monitoring of Early Warning Signs
• Minimize the risk of loss/ bad debts through prudent lending practices and monitoring of Early Warning Signs on financial and credit risk portfolios
• Improvement in business returns through minimization of revenue leakage, maximizing revenue from existing/new customers and partners and share of wallet thereon or identification of additional revenue opportunities through deal structuring and due diligence; and offering appropriate products, customer experiences, operations, collections and recoveries and rehabilitation journeys.
• Obtain and review appropriate and timely MIS on exceptions and loans in arrears for purposes of pro-actively managing exposures with minimal loss to the business. This will include periodical reviews with Business Leads for purposes of reviewing controls or facilitating exit of risk as appropriate.
• Establish and review risk tolerance thresholds based on LDFS strategy and Risk Appetite, manage and escalate exceptions to guard the bank against unacceptable credit losses arising from breach of KRIs
• Monitoring covenant compliance and account performance to ensure risk stays within agreed thresholds.
• Management of unit costs to ensure that these are maintained within set budgets/targets
• Identify, cross-sell, and exploit available opportunities that will translate to increased business and revenue growth.

Internal business processes (50%)

• Conduct quality appraisals using a range of criteria including and not limited to the applicants business and financial records, credit history, bank records, tax returns and other credit-related data, stress-tested in the context of the operating (political, economic, social, technological / digital, legal / regulatory and environmental) landscape to ascertain the risk involved in extending credit and the ability of the applicant to repay, and make recommendations on the nature, structure and terms of the loan or line of credit that will protect Loop DFS’s ability to recoup funds loaned at a profit based on the applicants credit score and credit worthiness.
• Conduct due diligence on strategic markets, partnerships, companies, industries, merchants and consumers by collecting, researching and interpreting financial statements and market data such as company financial statements, price developments, currency adjustments, macro developments and yield fluctuations
• Design, develop and implement bespoke financial risk processes including financial models for decision support.
• Design, automate and champion implementation of customized risk processes, customer journeys and terms of engagement for partnerships, consumer and merchant customers.
• Keep up to date with market developments, new investment products and all other areas that can affect the markets, e.g. movements in the economies of relevant countries
• Research and consider how the economic implications of factors such as natural disasters, weather and wars might affect the performance of the financial portfolios. Proper Environmental and Social Monitoring (E&S) & reporting.
• Obtain required input from LOB Sponsors on key issues; facilitating approvals and deal closure
• Draft and write advisory reports for LOB Executives and other relevant stakeholders; this might include summaries of research, investment ideas, key risks or events as well as key drivers and projections
• Make recommendations to LOB Executives, being able to position ideas and articulate to the Executives about the risk or payoff for each recommendation
• Ensure that all regulatory and compliance requirements are met.
• SLA adherence by all stakeholders and adherence to agreed turnaround times
• Robust Covenant Monitoring to ensure that all approved covenants are captured and tracked constantly
• Regular review of business to determine applicability and suitability within the ever changing Digital Business Lending environment
• Enhance a digital first Financial & credit risk workflow process by championing continuous improvements
• Use of qualitative and quantitative analytics to assess risk and identify opportunities that will influence policy and process formulation.
• Interact directly and maintain good rapport with Business teams and customers teams to deeply understand their business models while protecting LDFS’ interests and following compliance protocols
• Recognize and escalate decisions to the Senior Manager when required as per underwriting policy
• Perform financial forecasting, variance analysis, reporting, and operational metrics tracking, and make recommendations
• Guide the cost analysis process by establishing and enforcing policies and procedures
• Regular stakeholder training and capacity development
• Satisfactory Audit/Risk and compliance rating on data driven models and underwriting processes

Customer (30%)

• Work in close collaboration with the Business Teams to achieve the following for assigned portfolios:
  • Support New Business initiatives & proposals for incorporation into product programs
  • Engage Business partners in regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
  • Support review of credit policies, scorecards and program risk acceptance criteria regularly, with analytical insights of portfolio trends & performance
• Monitor key portfolio performance trends to ensure strong portfolio credit quality with a good balance of risk and reward to optimize Business opportunities and in line with business strategy and risk appetite.
• Support scorecard monitoring and analysis; involve in the scorecard development, back testing as well as validation of the score cut-off.
• Participate in digital initiatives and drive continuous improvements in analytics capabilities using both traditional and non-traditional data as well as enhancements in the use of risk analytics tools.

Learning and Development (10%)

• Staff growth through coaching and training - clearly identified training needs, leave and succession planning.
• Self-development and training - Participation in learning opportunities both on-the job and classroom trainings available through the learning academy.

JOB SPECIFICATIONS

Academic:

• University degree preferably in a Business-Related field (Commerce, Business Administration, Economics, Mathematics & Statistics and Finance).
• Proficiency and Practical experience in credit underwriting, financial modelling, data analytics and use of relevant MIS, BI & MS Office applications. Knowledge in statistical computer languages e.g. SQL, R, Python is an added advantage.
• Professional Qualifications such as ACCA, CPA, CIFA, AKIB etc will be an added advantage.
• Strong IT skills and experience with office automation tools.

Desired work experience:

• 5 years banking experience with at least 3 years covering credit appraisals, credit portfolio management, risk management and business analysis/informatics.
• Experience working with credit scoring models/ credit decision engines is desired
• Experience working in a highly automated environment.

JOB COMPETENCIES

Technical Competencies

• Broad based working /operational knowledge of banking and credit underwriting (breadth and depth). Certification in multiple areas of credit risk management and/or banking support services. Reference point and mentor for colleagues, partners, for areas of expertise – Subject matter expert in business/corporate credit risk underwriting in a highly automated environment.
• Skilled at qualitative internal and external stakeholder interviewing and engagement.
• Excellent at deriving key insights and patterns from stakeholder interviews and using that input to identify gaps and clarify problem statements.
• Skilled at risk identification, mapping, to break gaps down into quantifiable KRIs.
• Excellent at collaborating with Customer, Product, Tech and Process flow Design to bring potential risk management solutions to life.
• Candid knowledge of the financial sector and risk management guidelines as well as current banking and fintech operations practice.
• Excellent at breaking issues down into risk points within product and process flow design.
• Deep familiarity with Loop DFS digital products and the relevant business processes
• Excellent use case and requirements development skills.
• Able to elevate performance of the Group through excellent ORM outputs.
• A good understanding of all core processes and knowledge of regulatory and statutory requirements.
• 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, Poisson distribution and proper usage, etc.) and experience with applications.
• Excellent written and verbal communication skills for coordinating cross functional teams.
• Proficiency in ISO 9001 2015 is highly desired in regards to Quality Management System.

Behavioural Competencies

• Excellent planning and organizational skills with ability to breakdown complex items to actionable elements.
• Relate easily and naturally with executives, business managers, technical teams and customers. Has excellent listening skills and understands the desires and challenges of all our leaders and customers.
• Able to change plans, methods, opinions or goals in light of new information, with the readiness to act on opportunities. Highly effective in adapting to differing environments.
• Capable of developing a sound understanding of the motives, needs and concerns of others and develop a deep understanding of their complex stakeholder network. Can anticipate the motives and expectations of others effectively.
• Self-motivated and self-managing.

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JOB PURPOSE STATEMENT

The purpose of this job is to support the LOOP DFS Risk Management and Compliance function through the implementation of the Compliance Framework within the standards defined by the Group including the identification, measurement, monitoring and reporting of risk and enforcing Compliance with policies, processes, procedures and controls.

The role of the Compliance Specialist is to analyze risk data that is collected from various sources, including risk registers, incident reports, and audit findings and be capable of using analytical tools to identify trends and patterns in the data to assess the overall Compliance risk landscape. This role is responsible for ensuring regulatory and policy compliance to all applicable laws, regulations, policies and standards that impact LOOP DFS.

KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)

Internal Processes (70%)

• Develop and maintain models and tools used to predict Compliance potential losses from various types of risks.
• Develop and implement new risk management strategies and tools that help reduce Compliance risks exposure and maximize profits.
• Collaborate with LDFS Commercial Team, Operations teams, Engineering, Business performance, Product and Delivery Management on ways to set appropriate Compliance controls, internal alerts and to mitigate Compliance Risk.
• Engage with risk owners and the wider business to promote risk management practices and culture across their respective areas.
• Develop key risk and control indicators to identify and control Compliance Risk.
• Monitor the health of the organization in order to proactively detect and address vulnerabilities.
• Assist with the maintenance of the Compliance risk register for all Business and Subsidiary Units.
• Support in the management of the Compliance Risk assessment process for circulation to relevant Committee.
• Conduct a comprehensive assessment of existing control processes and procedures and identify potential control gaps and weaknesses.
• Follow up on Closing of Compliance audit findings, Internal Audit and Independent reviews and liaising with other functions to ensure that Compliance related audit findings are satisfactorily closed.
• Advice senior management on Compliance trends and exposures LOOP DFS is experiencing and provide recommendations to minimize the risk. Provide expert guidance and training to staff on policies and procedures compliance
• Support the establishment of the complete Compliance scope for LOOP DFS based on applicable laws, regulations, policies and related policy standards and policy guidelines, and aim at achieving 100% Compliance
• Conducting regular evaluations of the effectiveness of risk management policies and procedures to ensure they are meeting the organization’s objectives.
• Support the Risk Manager in the reporting of Compliance risks to the relevant committees.
• Understand and implement regulatory requirements: Develop policies and procedures to ensure Compliance with various regulations.
• Lead on FATCA & CRS compliance by ensuring that various functions are informed of their responsibilities, due diligence is conducted on US & CRS indicia customers and necessary reports are filed with the Internal Revenue Service (IRS) and the Local Taxman.
• Coordination of the Incident Management and Crisis Management Team(IMT).
• Coordinate activities of the Risk Champions across LDFS Units

Customer (10%)

• Turnaround time standards or benchmarks for decisions on Project development targets and applications that support a customer obsessed culture i.e. Service Level Agreement (SLA) / Turn-Around Time (TAT) and Customer Satisfaction Index (CSI) benchmarks.

Learning and Development (20%)

• Risk Culture - Continuously researching and improving the operational risk process, governance and capabilities and drive awareness amongst the LDFS staff through day to day risk management support and education, in collaboration with Risk Champions
• Drive competency focus through continuous learning and job enrichment to ensure high performance.

JOB SPECIFICATIONS

Academic:

• University degree preferably in Actuarial Science, Statistics, Economics, Finance or Business Administration or related fields.
• 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

Desired work experience:

• At least 5 years banking experience with at least 2 years covering Compliance risk management.
• Experience with risk management and reporting in a highly automated environment with Big data analytics will be an added advantage.

JOB COMPETENCIES

Technical Competencies

• A risk, Compliance or audit related professional Certification such as, CFE, Compliance, KYC, CFE is highly desirable.
• A good understanding of all core processes and knowledge of regulatory and statutory requirements.
• 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, Poisson distribution and proper usage, etc.) and experience with applications.
• Excellent written and verbal communication skills for coordinating cross functional teams.
• Proficiency in ISO 9001 2015 is highly desired in regards to Quality Management System.
• Risk Assessment and Identification - knowledge of the financial sector and risk management guidelines as well as current banking and fintech operations practice.
• Risk Management Design - Deep familiarity with digital banking and payments products and the relevant business processes

Behavioural Competencies

• Excellent planning and organizational skills with ability to breakdown complex items to actionable elements.
• Relate easily and naturally with executives, business managers, technical teams and customers. Has excellent listening skills and understands the desires and challenges of all our leaders and customers.
• Able to change plans, methods, opinions or goals in light of new information, with the readiness to act on opportunities. Highly effective in adapting to differing environments.
• Capable of developing a sound understanding of the motives, needs and concerns of others and develop a deep understanding of their complex stakeholder network. Can anticipate the motives and expectations of others effectively.
• Self-motivated and self-managing.

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JOB PURPOSE STATEMENT

The primary purpose of the role is to build and maintain effective relationships with Debtors, Service Providers and LDFS promoters (merchant services), in a manner that proactively promotes timely servicing of client debt across all products across LDFS markets. They research and analyze best practice collection and repayment trends, and design and implement intelligent, digital first, data driven and personalized collection and recovery strategies that drive timely repayment, customer retention and rehabilitation.

The Officers will be assigned as field agents and shall also be in charge of delegated portfolios including oversight on LDFS merchant promoters and external debt collection agencies, and will be required to build rapport and provide effective support in a manner that drives the intended repayment targets, hence revenue outcomes. The M&C Officer will analyze the debtor and partner communication strategy, negotiations and contracts to identify trends that can improve debt management procedures.

This role shall be involved in the day to day coordination of Business, Product, Technical, Delivery and Operations teams, and 3rd party Service Providers in implementing monitoring, control, collections and recoveries processes.

The role observes full compliance with the core principles of good lending enshrined in the relevant Prudential and Group Policies in the respective markets.

KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)

Financial (30%)

• Build an effective digital first and data driven market/product specific credit risk monitoring and control process that prioritizes, segments and personalizes debtor engagements in a manner that maximizes repayments and minimizes roll forward rates while promoting customer retention, hence sustained revenues through proactive debtor relationship management and rehabilitation strategies
• Take high-level strategy and design philosophy, control proposals and business problem statements, and break them into small practical workflows that engineering can develop and implement through use cases, requirements and test script documentation for proposed debtor journeys.
• Execute end to end testing of product designs in a manner that assures quality and minimizes cost of risk and continuously monitors Unit, Promoter, Service Provider and Personal KPIs, and proactively takes actions to address these risks 

Internal Business Processes (40%)

• Design and implement embedded and personalized debt management workflows and processes for new and existing projects based on respective risk profiles and business objectives.
• Design and document Functional and Non-Functional Requirements Specifications for the debt management, and M&C workflows to facilitate system development.
• Quality Assurance: Document Test Scripts and work with cross functional squad partners as well as external partners to perform integrated e2e tests and undertake continuous validation and change management of debt management workflows and processes.
• Support Manager to build and continuously enhance data driven automated reports, and ensure timely inputs and submission of such reports highlighting key insights, risk areas and recommendations thereof
• Negotiate and recommend restructures, repayment incentive campaigns and exit strategies for problem accounts and relationships
• Liaise with all external stakeholders involved in debt recovery which include Promoters, Lawyers, Auctioneers, Independent Collection Agencies, Private Investigators, Receivers etc. while ensuring the TAT’s and SLA’s are compiled within collections & recovery processes.
• Manage and resolve customer and partner complaints within pre-defined SLAs
• In liaison with business eco system leads help in defining engagement and collection journeys for merchant segments.
• Execution of repayment incentive initiatives to maximize recovery in collaboration with business teams.
• Processing claims of amounts outstanding from insurance for deceased customers.
• Capture and communicate customer feedback /VoC during collections activities aimed at Improvement of Loop DFs credit quality, products and processes.
• Satisfactory Audit, CBK, Risk and compliance ratings.

Customer (20%)

• Creative and intelligent customer communication based on behavioral science through calls, emails, issuance of demand letters and notices etc., in a manner that drives optimal conversion rates on repayments.
• Merchant onsite visits, in liaison with assigned promoters and/or assigned relationship staff.
• Develop relationships with LDFS Ecosystem Leads, Promoters and External Debt Management partners in a manner that optimizes the relationship, repayment, retention and rehabilitation outcomes
• Quality of credit service standards and maintenance of TAT as per Service Level agreements
• Achieve clear communication and excellent relationship management in handling assigned portfolio of delinquent accounts.
• Conducts call visits and subsequently prepares call visit reports within 7 days of the visit
• Ensure client request are handled within the set parameters –e.g. restructures, waivers, full and finals offers etc.
• Efficient Management of external service providers as will be assigned i.e. ICA, Lawyers, Private Investigators and Skip Tracers etc.
• Query and complaint management within set TAT and SLA and timely escalation.

People (10%)

• Periodic training and performance management oversight of regional teams and service providers in line with SLAs, Quality assurance guidelines and Group Policy.
• Self-development: engage in self-development initiatives and trainings that equip staff on emerging global intelligent debt management practices
• Adherence to performance management targets

JOB SPECIFICATIONS

Academic:

• University degree preferably in Economics, Finance or Business Administration or related fields.
• Relevant professional qualification in Banking, Risk Management and Law an added advantage.
• Professional knowledge of SQL and/or related statistical packages is an added advantage
• Certified Credit Professional certification (CCP-K) is an added advantage

Desired work experience:

• At least 2 years work experience in a bank or financial services institution of which 1 year should have been in Remedial Management (Debt Collections and/or Recoveries) preferably in a highly digitized, high volume environment.
• Working experience in a collection agency gives an added advantage.

JOB COMPETENCIES

Technical Competencies

• Knowledge of related Credit Risk Management regulations and policies
• Understands and communicates the business value of credit risk management, collections and recoveries.
• Capable of deriving key insights and patterns from debtor interviews and using that input to clarify problem statements.
• Proficient at issue mapping, to break issues down into smaller practical problems and solutions.
• Sets success metrics for collections and recoveries in development, tracks metrics post-launch to guide investment in iterative improvements.
• Ability to make highly informed prioritization & trade-off decisions with Business, Delivery and Product Teams.
• Excellent portfolio management, collections and recoveries processes as well as process design and development.
• A good understanding of all core processes and knowledge of regulatory and statutory requirements.
• Excellent written and verbal communication skills for coordinating cross functional teams.
• Risk Management Design - Deep familiarity with digital banking and payments products and the relevant business processes

Behavioural Competencies

• Excellent planning and organizational skills with ability to breakdown complex items to actionable elements.
• Relate easily and naturally with executives, business managers, technical teams and customers. Has excellent listening skills and understands the desires and challenges of all our leaders and customers.
• Able to change plans, methods, opinions or goals in light of new information, with the readiness to act on opportunities. Highly effective in adapting to differing environments.
• Capable of developing a sound understanding of the motives, needs and concerns of others and develop a deep understanding of their complex stakeholder network. Can anticipate the motives and expectations of others effectively.
• Self-motivated and self-managing.

go to method of application »

JOB PURPOSE STATEMENT

The role of the FCC Specialist is to analyze risk data that is collected from various sources, including risk registers, incident reports, and audit findings and be capable of using analytical tools to identify trends and patterns in the data to assess the overall Financial Crime Compliance risk landscape.

The purpose of this job is to support the LOOP DFS Risk Management and Compliance function through the implementation of the Financial Crime Compliance Framework within the standards defined by the Group including the identification, measurement, monitoring and reporting of risk and enforcing compliance with policies, processes, procedures and controls

The position also requires working with various cross functional LDFS units and Group Governance Units to proactively identify gaps in the current ecosystems, business units and processes, and advice Financial Crime Compliance Risk-mitigating controls based on best practice. The Specialist will be responsible for the development and management of mitigating controls for various digital financial services initiatives and monitoring the AML Compliance.

The role entails Conducting comprehensive risk assessments across multiple business areas, using a variety of risk assessment techniques and tools and sharing timely reports for consumption of the various cross functional stakeholders.

KEY ACCOUNTABILITIES (DUTIES AND RESPONSIBILITIES)

Internal Processes (70%)

• Develop and maintain models and tools used to predict Compliance potential losses from various types of risks.
• Develop and implement new risk management strategies and tools that help reduce Compliance risks exposure and maximize profits.
• Collaborate with LDFS Commercial Team, Operations teams, Engineering, Business performance, Product and Delivery Management on ways to set appropriate Compliance controls, internal alerts and to mitigate Compliance Risk.
• Engage with risk owners and the wider business to promote risk management practices and culture across their respective areas.
• Develop key risk and control indicators to identify and control Compliance Risk.
• Monitor the health of the organization in order to proactively detect and address vulnerabilities.
• Assist with the maintenance of the Compliance risk register for all Business and Subsidiary Units.
• Support in the management of the Compliance Risk assessment process for circulation to relevant Committee.
• Conduct a comprehensive assessment of existing control processes and procedures and identify potential control gaps and weaknesses.
• Follow up on Closing of AML/CFT audit findings, Internal Audit and Independent reviews and liaising with other functions to ensure that AML related audit findings are satisfactorily closed.
• Advice senior management on Financial Crime Compliance trends and exposures LOOP DFS is experiencing and provide recommendations to minimize the risk.
• Support the establishment of the complete Financial Crime Compliance scope for LOOP DFS based on applicable laws, regulations, policies and related policy standards and policy guidelines, and aim at achieving 100% compliance.
• Conducting regular evaluations of the effectiveness of risk management policies and procedures to ensure they are meeting the organization’s objectives.
• Support the Risk Manager in the reporting of AML/CFT to the relevant committees.
• Understand and implement regulatory requirements: Develop policies and procedures to ensure Compliance with various regulations.
• Lead on FATCA & CRS compliance by ensuring that various functions are informed of their responsibilities, due diligence is conducted on US & CRS indicia customers and necessary reports are filed with the Internal Revenue Service (IRS) and the Local Taxman.
• Coordination of the Incident Management and Crisis Management Team (IMT).
• Coordinate activities of the Risk Champions across LDFS Units

Customer (10%)

• Turnaround time standards or benchmarks for decisions on Project development targets and applications that support a customer obsessed culture i.e. Service Level Agreement (SLA) / Turn-Around Time (TAT) and Customer Satisfaction Index (CSI) benchmarks.

Learning and Development (20%)

• Risk Culture - Continuously researching and improving the operational risk process, governance and capabilities and drive awareness amongst the LDFS staff through day to day risk management support and education, in collaboration with Risk Champions
• Drive competency focus through continuous learning and job enrichment to ensure high performance.

JOB SPECIFICATIONS

Academic:

• University degree preferably in Actuarial Science, Statistics, Economics, Finance or Business Administration or related fields.
• 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

Desired work experience:

• At least 5 years banking experience with at least 2 years covering Financial Crime Compliance risk management.
• Experience with risk management and reporting in a highly automated environment with Big data analytics will be an added advantage.

JOB COMPETENCIES

Technical Competencies

• A risk, compliance or audit related professional Certification such as CAMS, ACAMS, CFE, AML, KYC, OFAC or ACFE is highly desirable.
• A good understanding of all core processes and knowledge of regulatory and statutory requirements.
• 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, Poisson distribution and proper usage, etc.) and experience with applications.
• Excellent written and verbal communication skills for coordinating cross functional teams.
• Proficiency in ISO 9001 2015 is highly desired in regards to Quality Management System.
• Risk Assessment and Identification - knowledge of the financial sector and risk management guidelines as well as current banking and fintech operations practice.
• Risk Management Design - Deep familiarity with digital banking and payments products and the relevant business processes

Behavioural Competencies

• Excellent planning and organizational skills with ability to breakdown complex items to actionable elements.
• Relate easily and naturally with executives, business managers, technical teams and customers. Has excellent listening skills and understands the desires and challenges of all our leaders and customers.
• Able to change plans, methods, opinions or goals in light of new information, with the readiness to act on opportunities. Highly effective in adapting to differing environments.
• Capable of developing a sound understanding of the motives, needs and concerns of others and develop a deep understanding of their complex stakeholder network. Can anticipate the motives and expectations of others effectively.
• Self-motivated and self-managing.