Mahindra Comviva

About Yabx:

Yabx is a leading fintech infrastructure and services provider, recognized for delivering best-in-class digital lending solutions across emerging markets. With a strong focus on leveraging alternative data from partner networks, mobile wallets, and payment gateways, we create innovative and profitable loan programs for new-to-credit (NTC) customers. Our mission is to empower traditional banks and financial institutions to offer cutting-edge fintech products, enabling sustainable growth and financial inclusion.

Operating in high-potential markets, particularly in Africa, Yabx has established strategic partnerships with major telecom operators, mobile wallets, and payment aggregators. We are committed to driving financial inclusion by delivering tailored loan programs, from microloans to BNPL, that meet the diverse needs of underserved populations. As we expand our footprint, Yabx continues to be at the forefront of the digital lending revolution, creating impactful solutions that transform lives and economies.

What we look for:

- Passion for analytics: Should have solid understanding of cutting edge credit strategy leveraging data driven models. Should have hands on experience and track record of delivering projects in individual capacity

- Process oriented: Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements.

- Stakeholder Management: Should have a track record of working with partners across functions internally as well as externally to build effective relationships and drive business deliverables.

- Willingness to go above and beyond: For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.

Job Responsibilities:

Portfolio Strategy & Credit Policy:

- Build credit strategy to drive the GTM strategy, customer eligibility and limit/exposure decisions through customer loan life cycle

- Partner with Africa business and product team to develop and optimize customer journey and ongoing communication to drive uptake, usage, credit education and repayment across multiple digital channels (SMS, USSD, OBD)

- Work with external debt collection agencies and optimize direct debit rules to drive collection effectiveness for delinquent customer segments and optimizing collection offers

- Building framework for measuring periodic performance of existing strategies

Portfolio Monitoring, Forecasting & Governance:

- Responsible for Portfolio P&L KPIs and ensure closed loop governance with banks & telcos to set and deliver on KPI targets

- Develop portfolio tracking metrics and design reports leveraging existing tech team

- Coordinate with partner team for due/ overdue PDD process. Propose and implement solutions to keep portfolio healthy interfacing data science, product and business operations team

Growth Opportunities:

- Identify new customer segments and product constructs and suggest revenue enhancement opportunities

- Collaborate with product and business teams to develop and implement a "Test & Learn" agenda to continuously test new product constructs, refine offers and optimize the marketing effort/budget across the customer life cycle.

Required Qualifications & Skills:

- Deep knowledge of scorecards, credit policies and risk management in an unsecured retail lending context; , defining underwriting strategy & exposure management and owning portfolio KPIs for risk & revenue

- Experience in leading a 2-3 member analytics driven credit policy team for specific markets/products; Hands on experience as a data driven credit strategy analyst to provide functional guidance to team

- Good analytical thought process and aptitude for problem solving ; Hands on experience in data extraction using SQL, Python and Pyspark SQL (Big Data Hadoop/Spark Stack)

- Passion for using data and algorithm to drive underwriting decisions; Previous exposure to ML algorithms (preferably multiple)

- Strong entrepreneurial drive

Good to have:

- Previous experience in managing P&L for credit portfolio

- Experience in working with credit card firm/Digital Lending firms

- Hands on experience in working with Telecom data