Credit and Analytics Lead at Branch

• In this role, you will help to solve analytical problems across the organization and grow profitability by proposing product and strategy changes. You will make data-driven decisions to optimize performance in various areas across the product, growth, and operations strategy. As the lead, you will help the team achieve their goals through servant-style leadership, removing roadblocks, and clear communication.

Responsibilities

• Monitor performance and drive changes in the Credit Policy of our East Africa portfolio to optimize profitability and reach growth targets
• Drive lending product strategy and roadmap, work on developing new products and grow existing lending portfolio effectively
• Collaborate with data science, product, marketing, collections, and engineering to propose experiments and policy changes
• Contribute to the development of current and new Credit MI, metrics, dashboards, and decision tools in order to gain accurate and timely insight into our Credit Risk drivers.
• Create, implement, and support credit models leveraging a variety of mathematical and computer science methods and tools including Python, Structured Query Language (SQL), mathematical finance/ programming and statistics, and probability
• Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts
• Propose data-driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production
• Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis
• Efficiently deliver on compliance by meeting external reporting requirements to ensure we continue to meet our regulatory ‎obligations
• Run the Board Credit Committee for Branch Microfinance Bank, every quarter.
• Ensure accurate and timely data submission to the relevant stakeholders such as CRB, CBK etc.

Qualifications

• 8+ years of relevant experience,  3+ years of experience managing a team
• Experience in banking or Fintech sector a plus
• Fluent in SQL and Excel. Proficiency in R/Python, or similar statistical analysis tool, is a plus
• Previous experience in analytics and/or quantitative modeling, using large datasets
• Experience in analyzing, visualizing, and communicating impactful insights to management, investors, and/or auditors
• Strong strategic thinking and problem-solving skills
• Enthusiasm for working across cultures, functions, and time zones