Microfinance Business Analyst, BIHBV at BRAC

• The Microfinance Business Analyst, BIHBV will be responsible for collecting, organizing, analyzing, and interpreting data to inform data-driven decision-making on financial inclusion, service delivery, and organizational culture; enabling BI MF to better tailor their products and services to their diverse client bases; to use data to understand client behaviour, poverty profiles, and characteristics; and understand the risk associated with certain sub-segments of borrowers - with an aim to serve clients with previously excluded profiles. S/he will work with both organized data sources/data warehouses as well as large sets of unorganized data.
• Embedded within the BI MF operations and technical team, this position will work closely with the IT teams (central and country) to provide predictive and exploratory data insights in a consumable way.

Key Responsibilities:

• Collect and process data from various sources, including management information systems (MIS) or Core banking systems (CBS), data warehouses and other client assessment tools/surveys
• Organize, clean and analyze data to identify trends and patterns, and provide insights to improve operational efficiencies and inform strategic decision-making.
• Develop and maintain dashboards and reports to track key performance indicators (KPIs) related to loan disbursement, repayment, portfolio quality, and risk management.
• Develop and maintain dashboards and reports to track key performance indicators (KPIs) along BI MF’s strategic priority areas - social performance and impact, product innovation, digitization, talent management etc.
• Collaborate with microfinance operations and technical teams to identify areas for improvement and develop data-driven solutions to address operational challenges.
• Develop and implement data quality standards to ensure the accuracy and consistency of data.
• Work with IT teams to develop and maintain data systems, including data warehouses and database design.
• Train microfinance operations teams on data analysis tools and techniques to improve data literacy and culture of data use across the organization.
• Any other ad hoc reports and data needs that may arise from the business

Safeguarding Responsibilities:

• Ensure the safety of team members from any harm, abuse, neglect, harassment and exploitation to achieve the programme’s goals on safeguarding implementation. Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.
• Practice, promote and endorse the issues of safeguarding policy among team members and ensure the implementation of safeguarding standards in every course of action.
• Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.

Educational & Experience Requirements:

• Bachelor's degree in a related field such as finance, economics, or data analytics. Master's degree in a related field preferred
• Certifications in data analysis tools (SQL, Python, or R etc.) or visualization tools (Qlik, Power BI, Tableau etc.)

Required Competencies:

• The ideal candidate should be able to work with large datasets and have a strong understanding of microfinance operations, including microfinance operations performance, client segmentation, client impact, risk analysis etc with at least 2-3 years’ work experience.
• Familiarity with microfinance management information systems (MIS) or Core Banking Systems (such as Temenos T24).
• Experience with Any Relational Database Managment System, cloud-based data storage and analysis platforms such as AWS or Google Cloud.
• Experience with machine learning and predictive modelling techniques.
• Experience with data mining and text analytics.
• Experience with Statistical tools/softwares.
• Proficiency in data analysis tools such as SQL, Python, or R.
• Proficiency in statistical tools such as STATA, or SPSS.
• Strong proficiency in data visualization tools such as Qlik, Tableau, or Power BI.
• Strong understanding of data mart, lake and warehouse
• Strong analytical and problem-solving skills.
• Experience working with microfinance institutions and a strong understanding of microfinance operations, including loan management, client assessment, and risk analysis.
• Excellent written and verbal communication skills.
• Attention to detail and ability to work independently.
• Knowledge of statistical techniques and concepts.
• Ability to work with large datasets and complex data structures