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Work with Business managers to optimize and monetize customer value through business portfolio analysis, provide MIS support and the use of decision/statistical models.
Support business decisions through customer segmentation, acquisition targeting and customer profitability analysis. Develop predictive models /analytics across the customer lifecycle, customer segmentation, acquisition, activation, relationship management, cross selling and retention.
Optimize underwriting and customer/portfolio management risk policies through use of analytics and champion challenger strategies. Ensure risk/return profile is optimized and within the banks risk appetite.
Support retail product and credit programs, including the review of risk parameters, policies, product pricing regulatory requirements and the analytics support for the development and enhancement of program parameters.
Generate, automate, analyze and monitor portfolio risk reports, monthly review reports, and scorecard performance report. Provide regular and adhoc credit risk analysis and advisory to business managers, senior management, regulators and key stakeholders.
Utilize the use of scorecard and Basel II models in customer acquisition, portfolio management, collections and other areas of the credit cycle. Liaise with business managers, credit approval, collections and other stakeholders to obtain feedback on model performance and perform score cutoff reviews to refine policies.
Skills & Experience
Undergraduate degree in a quantitative programme, such as Statistics, Mathematics, Operations Research, Finance and Economics degree with quantitative focus. MBA / post graduate degree is an added advantage
8-10 years of experience in credit risk management/decision science in a retail banking environment. Experience in unsecured business is highly desired
Strong computing skills: SAS - Programming, Enterprise Guide, Enterprise Miner; SQL and database familiarity; MS Office applications, including advanced spreadsheet and VBA
Analytical mind with sound business insight, excellent communicator (verbal and written), highly meticulous, and self-motivated. Ability to collaborate with other business partners and stakeholders to address key business challenges and opportunities
Self starter, flexible with a proven ability to work well in teams, as well as being able to function with minimal supervision. Proven track record in driving business performance