Credit Portfolio Lead at Safaricom Kenya

JOB DESCRIPTION

Reporting to the Credit Tribe Lead, the Credit Portfolio Lead will be responsible for driving sustainable credit products by developing platform features, processes, tools and credit score strategies that ensures effective management of credit risk across different stages of product maturity cycles and provides relevant insights through continuous portfolio monitoring that optimizes product performance.

RESPONSIBILITIES

Insights, Research and Analysis

• Inform evolution of credit risk management capabilities (scorecards, features and platforms) aligned with the Tribes’ vision and evolution path. 
• Leverage on technology to create credit risk modules that furthers evolution of credit as a service (CaaS). 
• Thought leader in credit risk and risk management solution, features and planforms aligned to global trends and expected operating environments. 
• Mastery of customer behavior and appropriate solutions and tools for organizational/industry transformation. 

Product Planning and Management

• Formulate analytical techniques to be adopted for effective risk management within the Tribe in collaboration with the big data teams. 
• Advise on credit risk assumption and portfolio strategy review within the company informed by product, solutions and platform performances.
• Expert in advanced analytics that leverages on advanced analytical techniques & big data to transform credit risk & PMP. 
• Recognized industry leader in influencing credit risk management evolution.

Customer and End-User Support

• Proficiency use of analytical tools (SQL, Qlik, Power BI) to provide detailed insights in risk management. 
• Support and execute decision based on product risk trends.
• Conduct complex analytical tasks and initiatives that inform credit and product decisions within the tribes.
• Advise on credit risk assumption and portfolio strategy review within the tribe informed by product, solutions and platform performances.
• Ability to identify and map various risk and PMP strategies to product life cycle to address expected product challenges. 
• Identifies opportunities in product optimization across product maturity path, with practical suggestions on how to realize value.
• Ability to influence adoption of the credit tools and solutions by credit partner for the accomplishment of common objectives.

Post Launch governance 

• Track and analyze metrics compared to industry benchmarks, publish reports on product performance, trends, and risks/opportunities for both short and long term.
• Support teams that track and manage business case metrics and financial planning models ensuring that product delivery stays on track and on budget.
• Monitor impact of product features on key metrics

Core competencies, knowledge and experience

Customer Obsession

• Deepen team connection to our customers and communities.
• Foster authentic relationships with internal stakeholders and partners that build trust.
• Explicitly take customer-centric decisions and take personal ownership to achieve results.
• Stay focused on the big priorities, know when to make meaningful trade-offs and demonstrate brilliant execution.

Purpose

• Create an inspiring vision for your team to drive strategy and performance.
• Show ambition and courage, empowering others to go beyond the plan.
• Bold and challenge teams to reimagine how things are done.
• Prompt new thinking and ideas by asking “what if” questions.
• Use knowledge of the external environment (customers, partners, competition, external bodies) to identify and act on opportunities for growth at pace.

Innovation

• Create psychological safety so everyone can have an impact.
• Fuel innovative ideas from others and test them to enable growth.
• Explore successes and failures with curiosity and resilience; fearlessly recognizing lessons learned.
• Share your ongoing learning and personal purpose with others.
• Learn fast from digital adoption, using learnings to drive simplicity, scale and efficiency.

Collaboration

• Articulate your team’s role in making our strategy happen, prioritizing and aligning resources with current and future needs.
• Actively collaborate to break silos and hold your team accountable to do the same.
• Develop others to make the most of their talents and coach them to take ownership to get things done.
• Create an inclusive environment ensuring the safety and wellbeing of others.
• Live our Purpose and demonstrate the highest Standard of integrity.

Direct reports: 

• Portfolio Analyst

Key performance indicators

• Adherence to set Credit Tribe business OKRs and commitments.
• Ability to influence adoption of the credit tools and solutions by credit partner for the accomplishment of common objectives.
• Driving achievement of Mission budget for products in Credit Tribe
• Growth and retention of customers via use of tools and data.
• Provide guidelines and process for the implementation of reward and recognition activities. 
• Delivery of relevant target projects/Initiatives. 
• Compliance with all relevant regulations and internal policies and procedures. KPIs could include regulatory compliance metrics, audit results, and risk management metrics.
• Agile Maturity rating, Employee Engagement (eNPS) and Productivity.

QUALIFICATIONS

• At least six (6) years’ knowledge and experience in a relevant field with at least three (3) in credit risk and portfolio strategy for digital credit across different spectrums of product and product strategy life cycles with at least seven years’ experience.
• Ability to scope new risk management techniques, improvement of processes and workflow by applying in-depth disciplinary knowledge, integrating subject matter and industry expertise aligned with the credit best practices and regulatory requirements.
• Relevant Business or IT Undergraduate Degree or relevant field along with professional qualifications, or equivalent qualification(s) from a recognized institution of higher learning. 
• MBA or relevant Master’s degree is an added advantage. 
• Member in good standing of a recognized professional body. 
• Superior business understanding to drive changes that optimize product performance across different stages of product maturity.
• Strong understanding of credit risk, portfolio and product management. 
• Possess high professional and ethical standards. 
• Be a strategic thinker with an analytical mind.