JOB PURPOSE
The role holder will be responsible for leading data-driven decision-making within the Digital Lending unit by designing, implementing, and optimizing credit scoring models, risk analytics frameworks, and product performance dashboards. The position ensures that business strategies, customer targeting, and risk decisions are guided by accurate, timely, and actionable data insights.
KEY RESPONSIBILTIES
- Data Strategy & Governance
- Credit Analytics & Model Development
- Performance Monitoring & Insights
- Stakeholder Engagement & Business Support
- Customer Experience & Services Delivery
- Leadership & Capacity Building
- Risk & Compliance Analytics
MAIN ACTIVITIES:
Data Strategy & Governance
- Develop and implement a data strategy for digital lending products
- Ensure data quality, governance, and consistency across lending platforms, integrations, and reporting systems.
- Collaborate with IT, Risk, and Finance to ensure alignment with enterprise data standards and regulatory compliance (e.g., CBK, Data Protection Act).
Credit Analytics & Model Development
- Lead the design and continuous improvement of credit scoring and behavioural models using customer transaction and alternative data sources.
- Apply machine learning and statistical modeling to improve loan eligibility, limit assignment, and default prediction.
- Collaborate closely with the Credit Risk and Bank Risk teams to align model development with the bank’s credit policy, risk appetite, and regulatory standards.
- Ensure models are tested, validated, and monitored in line with model risk management principles, incorporating feedback from the risk teams during each review cycle.
- Partner with Credit Risk to establish performance monitoring metrics (e.g., default rates, PD, LGD, EAD) and continuously refine models based on emerging portfolio trends and risk insights.
Performance & Portfolio Monitoring
- Build and maintain real-time dashboards tracking portfolio performance, repayment trends, and product profitability.
- Provide actionable insights to optimize loan limits, pricing, and repayment strategies.
- Conduct root cause analysis of delinquency and loss trends and propose corrective actions.
Stakeholder Engagement & Business Support
- Collaborate with product managers, risk officers, and partners to translate data insights into product enhancements.
- Provide data-driven recommendations for pricing, customer segmentation, and credit policy adjustments.
- Present regular reports to management highlighting key trends, risks, and opportunities.
Customer Experience & Service Delivery
- Ensure data insights and analytics are used to enhance customer experience across the digital lending journey — from onboarding and credit assessment to loan servicing and repayment.
- Use customer feedback and behavioural data to identify pain points, reduce loan approval turnaround times, and improve satisfaction scores.
- Collaborate with the customer service team to build data-driven dashboards that track service efficiency (e.g., loan disbursement delays, repayment success rates, and complaint resolution trends).
- Support proactive management of customer relationships through early identification of delinquency risk or service friction points.
- Champion a customer-first culture by embedding data-led decision-making that aligns risk management with customer value and trust.s
Personal Leadership & Development
- Manage self: Show drive and motivation, an ability to self-reflect and a commitment to learning;
- Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect.s
- Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT).
- Work Collaboratively Collaborate with others and value their contribution.
- Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes;
- Think and solve problems, analyze and consider the broader context to develop practical.
- Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
- Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
- Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
- Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
- Live the brand values as a Sidian Bank brand ambassador and always project the right image of the bank to both staff and customers.s
Risk & Compliance Analytics
- Develop and maintain data-driven risk monitoring tools in collaboration with Risk and Compliance teams.
- Detect unusual transaction patterns, potential fraud, and early warning indicators using analytics.
- Ensure all analytical processes adhere to AML/CFT, Data Protection, and CBK regulatory requirements.
DECISION MAKING AUTHORITY
- Recommendations of analytics frameworks, data models, and reporting methodologies.
- Recommendations on lending performance metrics, risk indicators, and credit limit adjustments.
- Oversight of model validation, risk psarameter calibration, and data governance standards within Digital Lending.
ACADEMIC BACKGROUND
- Bachelor’s degree in Statistics, Mathematics, Computer Science, Data Science, Economics, or related field.
- Master’s degree in Data Analytics, Quantitative Finance, or Business Analytics is an added advantage.
- Strong command of SQL, Python/R, Power BI/Tableau, and statistical modeling tools.
WORK EXPERIENCE
- At least five (5)5 years’ experience in banking.
- 3+ years of experience in data analytics, credit risk, or data science, preferably in digital lending or financial services.
SKILLS & COMPETENCIES
- Strong knowledge of digital lending, retail, and SME financial products, with a deep understanding of data flows and customer transaction behaviors across digital channels.
- Solid grasp of the CBK regulatory framework, data protection requirements, and reporting obligations impacting digital credit and financial data usage.
- Demonstrated ability to translate business problems into analytical solutions through advanced data modeling, visualization, and insight generation.
- Proven experience in data governance, quality assurance, and automation, ensuring accuracy and reliability in analytics outputs.
- Excellent communication and presentation skills, with the ability to explain technical insights to non-technical stakeholders and influence strategic decisions.
- Strong stakeholder management and collaboration skills, working cross-functionally with Credit Risk, Compliance, Product, and IT teams.
- Leadership and team development skills with the ability to mentor analysts and drive a data-informed culture within Digital Lending.
- Exceptional analytical, critical thinking, and problem-solving abilities, with attention to detail and a proactive approach to innovation.
- Effective planning, prioritization, and project management capabilities to deliver analytics initiatives on time and with measurable impact.
PROFESSIONAL CERTIFICATION
Desirable to have:
- Professional Certification in Data Analytics, Data Science, or Business Intelligence.
go to method of application »
JOB PURPOSE
The job holder will be responsible for providing an independent, objective assurance on the adequacy and effectiveness of the bank’s governance, risk management, compliance, and internal control environment. He/she will lead and oversee the planning, execution, reporting, and follow-up of complex audit assignments in line with IIA Standards, CBK Prudential Guidelines, and the bank’s internal audit methodology. Support the Audit Manager in managing the audit function, coordinating engagements, reviewing audit deliverables, and driving continuous improvement across audit processes and tools.
KEY RESPONSIBILITIES
Audit Planning
- Lead comprehensive, risk-based planning for assigned audits by analyzing enterprise risks, regulatory expectations, historical audit results, emerging risks, and strategic priorities.
- Define audit objectives, scope, and detailed test procedures that directly address inherent, residual, and emerging risks, ensuring alignment with the annual audit plan.
- Conduct in-depth process understanding through walkthroughs, data analysis, policy reviews, and stakeholder interviews to identify control gaps or vulnerabilities early.
- Determine the appropriate audit approach, sampling methodology, nature, timing, and extent of testing using risk-based and data-driven criteria.
- Assess resource needs, develop audit budgets and timelines, and ensure team members are properly briefed and prepared prior to fieldwork.
Audit Execution
- Lead, supervise, and mentor audit teams during fieldwork, ensuring adherence to audit standards, methodology, and quality expectations.
- Evaluate the design, implementation, and operating effectiveness of controls across operational, financial, ICT, credit, market, liquidity, strategic, and compliance processes.
- Apply strong analytical techniques including root cause analysis, data analytics, trend analysis, and control effectiveness validation.
- Review working papers for completeness, accuracy, and sufficiency of evidence to support audit conclusions and risk ratings.
- Ensure timely escalation of significant issues, control failures, fraud indicators, or regulatory non-compliance identified during fieldwork.
- Maintain high-quality documentation that meets internal quality assurance requirements and is defensible to internal and external reviewers.
Audit Reporting, Monitoring & Follow-Up
- Prepare high-impact, concise, and well-supported audit reports that clearly articulate issues, underlying root causes, associated risks, and practical recommendations.
- Present audit findings confidently to departmental heads, senior management, and governance committees where required.
- Track and monitor management action plans, validate remediation, and perform follow-up reviews to ensure the effectiveness and sustainability of corrective actions.
- Identify recurring issues across departments and proactively recommend systemic or enterprise-wide interventions to strengthen controls.
- Prepare periodic updates, audit status reports, and emerging risk summaries for the Audit Manager and relevant stakeholders.
- Support and lead special reviews, fraud investigations, system audits, and ad-hoc assignments as delegated.
Risk & Compliance
- Provide independent and objective assurance on the effectiveness of the bank’s risk management, compliance, and governance frameworks.
- Evaluate the adequacy and operating effectiveness of controls in key risk areas and across risk types (credit, operational, ICT/cybersecurity, AML/CFT/CPF, regulatory).
- Review and challenge the quality, completeness, and accuracy of risk assessments, KRIs, RCSAs, and mitigation plans developed by business units and second-line functions.
- Test compliance with relevant laws, regulatory requirements, CBK guidelines, internal policies, and industry best practices.
- Document and escalate control weaknesses, non-compliance, unethical conduct, and emerging risks promptly and in accordance with escalation protocols.
- Provide advisory insight on new regulatory developments and business initiatives while preserving audit independence.
- Engage regulators and external auditors in coordination with the Audit Manager to support supervisory reviews, inspections, and audits.
- Maintain up-to-date professional knowledge on emerging risks, regulatory trends, and financial crime typologies.
DECISION MAKING AUTHORITY
- Determine the audit approach, depth of testing, and sampling strategies for assigned engagements based on risk assessment and professional judgment.
- Evaluate the adequacy and effectiveness of internal controls and assign issue ratings consistent with the bank’s methodology and regulatory expectations.
- Decide whether sufficient and appropriate evidence has been obtained to support audit conclusions and issue closure.
- Recommend improvements and control enhancements aligned with business realities and regulatory requirements.
- Approve working papers and draft reports prepared by team members prior to management review.
- Escalate material risks, control failures, fraud indicators, or non-compliance without delay.
- Exercise sound judgment in balancing audit rigor, business impact, and operational practicality.
ACADEMIC BACKGROUND
Bachelor’s degree in Accounting, Finance, Business Administration, Economics, Information Systems, or a related field from a recognized institution.
WORK EXPERIENCE
- Minimum 5 years’ progressive internal audit, risk management, or assurance experience in a financial institution or similar high-control environment.
- Demonstrated experience leading complex audits, supervising audit teams, and dealing with senior management and regulators.
- Proven exposure to banking operations, credit processes, digital banking, financial crime risk, ICT audits, and regulatory compliance.
- Experience in using audit management systems and data analytics tools is an added advantage.
SKILLS & COMPETENCIES
- Advanced analytical, critical thinking, and problem-solving capabilities.
- Strong report-writing and communication skills with the ability to articulate complex issues clearly.
- High professional skepticism, attention to detail, and ability to challenge effectively.
- Strong interpersonal and negotiation skills for engaging stakeholders at various levels.
- Demonstrated ability to supervise teams, coach staff, and review work to ensure quality.
- Time management, multitasking ability, and capacity to manage tight deadlines.
- Ability to travel and work across multiple locations as needed.
- High integrity, discretion, and adherence to ethical standards.
PROFESSIONAL CERTIFICATION
- CPA (K) or ACCA mandatory.
- CIA, CISA, CRMA, CFE, or equivalent certification is a strong advantage
Gmail
Yahoomail