Consultant – Senior Credit Risk Job Pezesha

Consultant – Senior Credit Risk Job. Finance Jobs in Kenya

Objectives & Responsibilities

• Analyze credit performance data, track repayment trends, and generate insights to inform credit risk and collections strategies
• Clean, process, and analyze data to identify patterns that inform credit scoring, collection models and collections processes
• Develop new credit risk dashboards and reports to enhance real-time view of credit risk performance
• Collaborate with data science department on portfolio monitoring reports and business intelligence
• Support gap analysis on existing credit and collections processes and implementation of improvements with a focus on data analysis and risk management
• Identify new data sources and data collections strategies to optimize credit risk performance
• Provide risk assessment insights to improve recovery rates and minimize fraud
• Join the credit committee and offer insights based on weekly performance reviews to enhance the overall loan book performance
• Conduct regular audits of the entire loan book to ensure complete coverage by the team in customer touchpoints and the implementation of optimization strategies
• Develop and refine risk models to predict potential default rates and portfolio performance.
• Provide insights and recommendations to improve portfolio quality and minimize non-performing loans (NPLs)
• Collaborate with the underwriting team to implement targeted strategies for portfolio segmentation and diversification

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Deliverables

• In collaboration with the data team, design and develop new credit risk dashboards and reports created.
• New data sources identified and integrated into existing systems and data strategy updated in line with data governance best practices
• In-depth data analysis conducted in support gap report on existing credit and collections processes
• Insights generated to support improved credit scoring models, collection models, risk management strategies, and collections processes based on data analysis
• Risk assessment insights provided to improve recovery rates and minimize fraud
• Training on new data systems held for Pezesha staff
• Success in this role will be measured by improvements in portfolio performance metrics (e.g., reduction in PAR 30+, increase in collections efficiency, and improved risk-adjusted returns)

Qualifications

• Bachelor’s or Master’s degree in Actuarial Science, Finance, Business or a related field
• At least 5 years analyzing credit risk for lending institutions
• Proficiency in using data analytics and technology in credit decision-making and risk management. Ability to leverage advanced data analytics, machine learning, and predictive modeling for credit risk assessment and fraud detection
• Experience in digital credit and fintech lending, particularly in emerging markets, is highly desirable
• Prior experience in providing leadership in credit risk analysis
• Excellent communication and presentation skills with the ability to convey complex technical concepts to non-technical stakeholders
• Ability to collaborate effectively with cross-functional teams and external partners to achieve project objectives
• Strong experience working with Excel, R, Python or similar data analytics software

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How to Apply

Please send your CVs and cover letter to jobs@pezesha.com. Kindly indicate the title of the job on the subject header of the email (Consultant – Senior Credit Risk Analyst). Please apply by 30th June 2025.