Manager Mobile Lending and Analytics

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With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

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• To lead the Mobile Lending and Analytics function and take primary accountability ensuring that quality mobile lending portfolio is achieved while also providing analytical solutions/monitoring packs, MI, models, profitability measurement and Impairments are managed effectively, aligned to process compliance as per policy guidelines.
• Manage development of JUMO MI and analytics required for all Retail Credit Governance committees within country.
• Assess virtual lending portfolio profitability, growth and risks on an ongoing basis.
• Ensure compliance with Group Credit Policy, local banking regulations, agreed JUMO credit framework and product plan.
• Co‑ordinate and provide various inputs and responses on overall impairments, forecasting, and analytics to stakeholders.
• Fully understand JUMO CVP construct, participate in development of credit score validation, and models that measure customer credit risk profiles and match these to product arrangements, with a view to optimise product profitability.
• Ensure timely provision of fully reconciled loan loss allowance of JUMO credit portfolio.

• Collaborate with Retail Credit, Retail, Finance, JUMO and Centre to ensure optimal delivery of revenue and customer acquisitions targets.
• Analyze the trade‑off between different drivers across the virtual lending product lifecycle – pricing, volume, tenure, probability of default etc. – how this relationship impacts overall revenue, asset quality, impairment and profitability, portfolio strategies and to provide recommendations based on the best way forward.
• Undertake detailed credit analysis of mobile lending loan portfolio by processing large volumes of data and converting it into accurate information for decision making.
• Analyse portfolios to identify pockets of risk or opportunity and develop proactive strategies that assist in optimising revenue potential.
• Assist with weekly/monthly portfolio meetings to drive JUMO plans for ongoing and new initiatives between Country and Centre to ensure they are within budget and on target.
• Assist with forecasting of key portfolio metrics as per operating Product Plans.
• Manage the monthly impairment processes, ensuring that adequate controls are maintained over impairment and duly agreed by country and Centre.
• Ensure that models are appropriate for the business use and that they are monitored and tracked as per policy.
• Participation in continuous analysis, research and testing to assure effectiveness of credit risk models and tools for both conventional and JUMO credit CVPs.
• Provide input to annual product plan reviews and ensuring that country observations are duly incorporated.
• Coordinate quarterly and ad hoc reviews that may precede Product Plan annual review.
• Participate in visits to Mobile Network Operator, JUMO and other prospective MNOs, and attend events that may be relevant to mobile lending developments.
• Have regular calls and contact with JUMO and Centre senior managers to obtain understanding of mobile lending business to enhance understanding of portfolio credit migration.

• Consistently manage and timely deliver analytics support to minimise losses and maximise profits through trend analysis, impairment analysis, account management analysis, profitability analysis, stress testing, collections strategies and loss reduction strategies.
• Identify opportunities to reduce loss, enhance revenue by building new rules & strategies, cross‑sell, up‑sell models.
• Identify new opportunities for enhancing, streamlining services…