Digital Credit Products Analyst - Faulu MFB at Old Mutual Kenya

KEY RESPONSIBILITIES

• Product Development and Collaboration: Collaborate with product managers and technical teams to design, develop, and implement new digital credit products and features, ensuring smooth integration and optimization.
• Credit Scorecard Management: Support the development, refinement, and review of credit application scorecards, ensuring accuracy and effectiveness, and analyse the impact of scorecard changes on product performance and risk management.
• Growth -Design and develop Credit Limits allocation for new customers and limit enhancement framework for existing customers
• RFO -Develop Income and expenditure review for Digital products.
• Fraud -Review customer trends and responsible for identifying and reporting potential and actual frauds on digital credit platforms including suspicious transactions.
• Market Research and Analysis: Conduct market research to identify customer needs, competitive landscape, and emerging trends, and analyse product performance data to derive insights and identify areas for improvement.
• Performance Tracking and Reporting: Develop and maintain dashboards and reports to track key performance indicators (KPIs) and continuously evaluate and optimize digital credit products based on data-driven insights and customer feedback.
• Partnerships- Managing external partnership such as Credit Bureaus, BB partners such as Solve and knowledge/Resource sharing, creating a supportive team environment to deliver results for the bank
• Regulatory Compliance and Risk Mitigation: Ensure all digital credit products comply with regulatory requirements and internal policies and assist in identifying and mitigating risks associated with these products

Minimum Qualification and Experience

• A bachelor’s degree in information technology, Computer Science, Statistics, Data Analysis or related quantitative field.
• Professional certification in credit/lending
• Conversant with emerging technologies and new digital business model.

Additional Qualification

Artificial intelligence tools and programming Languages such as python.

Competencies Required

Technical

• Computer Literacy
• Budgeting skills
• Knowledge on industry regulations