Financial Risk Analyst, Advisory Services at NCBA Group

Job Purpose Statement

This role is responsible for identifying and evaluating financial risks across Loop DFS Group through financial analysis, risk validation, and underwriting operations to optimize profitability and minimize losses. It involves developing financial models, BI dashboards, and cost-benefit analyses to support decision-making and assess product performance across consumer, merchant, and corporate segments.

The incumbent supports predictive modeling and credit risk assessment while ensuring alignment with the Group’s risk appetite and strategic goals. As a subject matter expert in digital underwriting and financial risk management, the role also guides cross-functional teams in driving data-driven, market-aligned risk strategies. 

Key Accountabilities (Duties and Responsibilities)

Financial (30%)

• Define and monitor risk tolerance thresholds aligned with strategy and escalate breaches.
• Track and review key risk metrics like Cost of Risk, NPL levels, and covenant compliance.
• Generate income simulations to align risk-return targets with Group objectives.
• Monitor portfolio trends to maintain healthy credit quality and optimize opportunities.

Internal Business Processes (50%)

• Conduct ongoing market and regulatory research to assess financial risks.
• Develop strategies to manage exposures and improve policies using analytics.
• Evaluate risks of new products/services and support new initiatives using data science tools.
• Guide credit risk underwriting and support tailored credit product development.
• Lead data exploration and modeling to improve acquisition, collections, and revenue generation.
• Oversee credit risk assessments, controls, stress tests, and scenario analyses.
• Drive automation and innovation in financial modeling and forecasting processes.
• Ensure strong governance through quality checks, audit readiness, and reporting compliance.

Customer (10%)

• Partner with business teams to support product design, risk reviews, and policy updates.
• Provide analytics insights for portfolio quality, risk identification, and improvement actions.
• Co-drive credit cycle management initiatives, including collections and recoveries.
• Enhance analytics capabilities using traditional and alternative data sources.

Learning & Growth (10%)

• Actively pursue self-development in global risk practices.
• Strengthen internal capabilities through continuous learning and team upskilling.

Job Specifications

Academic Qualifications

• Bachelor’s degree in Economics, Finance, Business Administration, or related fields.
• Added advantage: Professional certifications such as FRM, SCIR, FRR, CPA, CISA, or PMP.
• Proficiency in data analytics tools and statistical programming languages (e.g., SQL, R, Python).
• Strong IT and MS Office skills, with experience in MIS and BI tools.

Professional Experience

• Minimum 5 years in banking or fintech, with at least 3 years in risk management, credit, or portfolio analysis.
• Experience in risk or portfolio management within automated and data-driven environments.
• Skilled in project management, team supervision, and cross-functional collaboration.
• Demonstrated ability to prioritize, drive results, and communicate effectively with stakeholders.

Technical Competencies

• Expertise in financial modeling, data science, and risk analysis.
• Strong understanding of advanced statistical methods and machine learning techniques.
• Practical experience in designing and working with data architectures.
• High attention to detail, strong problem-solving ability, and a solution-oriented mindset.
• Self-driven, eager to learn, and committed to fostering a collaborative, customer-focused culture.