• Application Deadline:
• Position: Credit Strategy Analyst


• Job Type Full Time , Hybrid


• Qualification BA/BSc/HND


• Experience 3 years


• Location Lagos


• Job Field Data, Business Analysis and AI 
  

Role

As a Credit Strategy Analyst, you are supporting the analytics throughout the credit product life cycle, from product design, to credit acquisition, portfolio management, collection and profit & loss. You will work within the Decision Science team, reporting to the Credit Risk Analytics Lead.

Responsibilities

• Portfolio performance metrics


• Policy rule analysis


• Profit and loss forecast


• Credit limit assignment analysis


• Affordability analysis


• Score cut-off analysis


• Collection rate


• Lending / Collection strategy A/B testing

Requirements

• Must have an academic background in a mathematical discipline e.g. Mathematics, Statistics, Physics, etc.


• Must have 3+ years experience as a quantitative analyst in a financial service


• Proficient at database languages SQL


• Proven knowledge of typical statistical tests used for A/B testing


• Proven knowledge of standard statistical software packages (open source language preferred)


• Understanding of credit portfolio performance metrics, including but not limited to annualised loss, vintage curves, roll rate, exposure at default, loss given default


• General programming language (open source language preferred, e.g. Python, R)


• Experience of developing business reports from end-to-end, i.e. from business requirement analysis, designing the visualisation layer of the reports, sourcing the data, developing and productionize the report, and managing the stakeholders’ expectations.


• Experience in generating actionable insights from the reports, e.g. interpreting the monthly monitoring reports to the business owners in relation to their business interest, and recommending actions in response to the latest developments in the reports