Credit Data Analytics and Systems Officer at Micro Enterprises Support Programme Trust (MESPT)

Key Responsibilities

• Credit Systems Administration, MIS and Portfolio Analytics:
• Serve as the primary administrator and technical support lead for FIYMA credit systems, including the core banking loan module and collections tools.
• Configure and maintain FIYMA loan products and credit parameters in the system (interest rates, repayment terms, fees, penalties, arrears computations, and credit limits).
• Administer and monitor credit workflow controls to ensure compliance with SACCO lending policy (maker–checker rules, approval hierarchies, exception approvals, user roles and limits).
• Support continuous system improvement through credit-related upgrades, patch testing, UAT coordination, deployment, and rollout of enhancements.
• Develop, automate, and maintain Credit MIS dashboards and reporting packs (daily, weekly, and monthly).
• Generate and analyze portfolio performance reports including disbursements, arrears ageing buckets, PAR/NPL trends, write-offs, recoveries, and collections performance.
• Produce segmented portfolio analytics by client, product, and credit officer performance to support management decisions.
• Ensure reporting accuracy through routine validation, reconciliations, and resolution of credit MIS data gaps and inconsistencies.
• Provide timely credit portfolio risk alerts and insights on emerging trends and deteriorating segments.
• Support collections workflows within the system: reminders, arrears aging and recovery actions.
• Create collections performance dashboards and ranking reports.
• Support integration of alternative collections tools (SMS platforms, dialers) if available.
• Support capacity building for SACCOs/credit teams through system guidance, reporting interpretation, and ongoing user support.
• Credit Data Management, Integrity & Reporting:
• Enforce credit data quality standards across the department (accuracy, completeness, consistency, timeliness).
• Develop and maintain a centralized credit data management system covering the full loan lifecycle (borrowers/financial partners, applications, approvals, disbursements, repayments, portfolio performance).
• Ensure standardized data definitions, structures, tools, templates, and reporting formats are applied consistently across all financial partners.
• Integrate credit data from financial partners’ core banking systems, loan management platforms, and programme monitoring tools.
• Maintain comprehensive participant/borrower-level datasets, including profiles, value chains, geographical distribution, MSME characteristics, and loan utilization.
• Track outreach and inclusion metrics aligned to programme targets (young women and men, including PWDs and refugees).
• Conduct routine reconciliations to ensure data integrity and alignment across systems, including:
• loan schedules vs collections
• system loan balances vs Finance GL
• disbursement records vs approvals
• Detect, investigate, and resolve data exceptions and inconsistencies (duplicate loans, incorrect repayment schedules, misapplied penalties/charges, inconsistent borrower/member records).
• Develop and maintain automated dashboards and reports on loan fund performance, outreach, and inclusion indicators.
• Produce periodic reports aligned to FIYMA performance measurement and reporting frameworks.
• Support development of evidence-based narratives, tables, and annexes for donor and stakeholder reporting.
• Ensure secure data storage, controlled access, and compliance with data protection, privacy, and confidentiality requirements.

Knowledge, Experience & Skills

• At least 2 years’ experience supporting credit operations through: data analytics/reporting; lending systems/core banking support; collections tools, ideally in a SACCO, MFI or bank.
• Advanced knowledge and skills in data analytical and visualization tools such as STATA, R, Power BI, Tableau etc.
• Strong Analytical skills and ability to convert data into actionable insights for data driven decision making.
• Experience designing data collection templates, dashboards, or reporting tools is highly desirable.
• Excellent communication and report-writing skills; ability to train and mentor staff and partners.
• Core banking system exposure (loan module).
• Strong Excel (advanced reporting & automation).
• SQL (queries, joins, stored extracts).
• Power BI/Tableau dashboards.
• Understanding of SACCO lending and collections processes.