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  • Posted: Jun 3, 2020
    Deadline: Jun 10, 2020
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    Safaricom is a leading communications company in Kenya with the widest and strongest coverage. The home of the famous Mobile Money service- M-PESA
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    Manager - Credit Portfolio Management

     

    Description

    We are pleased to announce the following vacancy in the New Business Venture Department within the Financial Service.  In keeping with our current business needs, we are looking for persons who meets the criteria indicated below.

    Detailed Description

    Reporting directly to the Senior Manager – Credit & Data Monetization the job holder will be responsible To monitor the credit portfolio to ensure full compliance with the core principles of good lending enshrined in the Credit Policy, Banking Act, and CBK’s prudential guidelines and early recognition of problem credits to mitigate against credit risks within the lending.

    To partner with key internal resources to execute on new initiatives to expand current capabilities and/or improve existing risk management processes. The job holder will work closely with business analytics, scoring and product management teams to grow the lending portfolio.

    Input & assist in developing, analyzing and managing credit scoring, strategies and decisions towards our loan purchase algorithms and the overall loan portfolios of the lending business.

    Roles and Responsibilities

    • Designing, developing, promoting and maintaining financial risk algorithms and models that measure customer credit risk profiles and match these to product arrangements, with a view to optimize profit.
    • Apply financial risk models to customer credit limit management, portfolio and collections strategies.
    • Advanced quantitative analysis to make informed risk decisions
    • Design and development of effective credit risk management models for the mobile lending product
    • Design and development of application and behavioral scorecards for different products/markets portfolios
    • Definition of a collection strategy for each portfolio to optimize portfolio profitability
    • Continuous research and testing to assure effectiveness of the credit risk models, policies and tools in use by the business
    • Build and implement governance structure, policy and processes for lending.
    • Portfolio monitoring to identify trends and mitigation strategies to achieve target credit risk metrics
    • Define and manage a portfolio management strategy that assures compliance to performance metrics 

    • Oversee credit processes for efficiency and robustness; focus on timely customer conversion/turnaround while maintaining appropriate risk and controls
    • To provide necessary portfolio analysis and credit performance forecasts, and review financials propositions with the business to ensure growth.
    • Proactively identify portfolio problems and take corrective action by effective use of Analytic tools 
    • Design, maintain and effectively communicate risk control parameters across the consumer business, including policies, control standards, risk exposure limits and other control levers in order to maintain the business's risk profile in line with the Group's risk appetite
    • Ensure business and product heads understand and accept their credit risk management responsibilities 
    • Ensure timely reporting of related portfolio information to relevant stakeholders Key Stakeholders

    Qualifications

    • Degree from a recognized university preferably in Sales and Marketing, Educations or Economics
    • A Master’s degree will be an added advantage 
    • At least 6-8 years’ experience in a large corporate or multinational company, demonstrated progression and at least 3 years’ experience in a Telecommunications company handling partnerships, business development and strategy formulation. 
    • Must have experience in management of budgets and forecasts in a large company 
    • Must have financial modeling experience, preferably in Excel or business objects. 
    • Must have worked in computerized environment preferably with Oracle application.  
    • Experience in international reporting and benchmarking

    go to method of application »

    Manager - Financial Services Data Scientist

    Description

    We are pleased to announce the following vacancy in the New Business Venture Department within the Financial Service.  In keeping with our current business needs, we are looking for persons who meets the criteria indicated below.

    Detailed Description

    Reporting to Senior Manager – Credit & Data Monetization the person will be responsible to turn terabytes of data into insights and get a deep understanding of how people act in various verticals and segments. Analyzing and compiling business intelligence, and undertaking financial modelling towards identifying and recommending data monetization and credit scoring opportunities. Supporting commercial decisions with advanced analytics, the role works with the data analysts and business unit partners to proactively research and design appropriate data monetization and credit scoring solutions and inform the business of possible products, and services. To participate in product development by bringing analytical and statistical expertise to drive the understanding, growth and success of Financial Services products.

    Roles and Responsibilities

    • Analyze quantitative and qualitative factors and design suitable data monetization and credit scoring opportunities for customers, agents, merchants and dealers.
    • Analyze external quantitative and qualitative factors influencing the credit quality of both individual and institutional borrowers, including assessment of financial statements, economic data, industry trends, and other borrower-specific data.
    • Designing, developing, implement, and maintain machine learning algorithms and financial models that;
      • Measure customer credit risk profiles and match these to product arrangements, with a view to optimize profit. 
      • Aid in effective credit risk management models for the mobile lending products
      • Generate insights, enhance products, drive targeting, reduce churn for financial services.
      • Deliver transactional and behavioral scorecards for different products/markets portfolios 
    • Tactical and strategic reporting to support decision making process and providing commercial advice to the business on all matters credit scoring.
    • Highlight the various data sources that can be monetized, research and extract insights or recommendations that shape the data monetization opportunities through collaborative discussions with various divisional teams.
    • Understand the nuances in customer, agent, merchant and dealer behavior and make recommendations around product offering, pricing, promotions and other commercial decisions to better meet demand.
    • With the participation of key departmental team members, develop strategic proposals that define the client needs for data analytics and credit scoring and outline products or solutions that add tangible and significant value to the client. 

    Qualifications

    • Have 4+ years of work experience in quantitative analysis & software development.
    • Proficient with at least one scripting language (e.g., Python, Ruby) and at least one statistical software package (e.g. R, NumPy/SciPy/Pandas)
    • Proficiency in using query languages such as SQL, HBase, NoSQL
    • Have demonstrable general-purpose coding experience with a dynamic language such as Python, Ruby, Node.js, Clojure, etc.
    • Experience in international reporting and benchmarking

    Method of Application

    Use the link(s) below to apply on company website.

     

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