Credit Strategy Lead
12 hours ago
About Comviva
\Comviva Technologies is a leading fintech infrastructure and services provider, recognized for delivering best-in-class digital lending solutions across emerging markets.
\We create innovative and profitable loan programs for new-to-credit (NTC) customers by leveraging alternative data from partner networks, mobile wallets, and payment gateways. 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, we have 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.
\Job Responsibilities:
\- \
- 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\
- 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\
- 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\
- Define 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 the 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)\
- Prioritize opportunities based on market potential, operational feasibility, and alignment with company goals\
- Communicate complex technical information clearly and concisely to both technical and non-technical stakeholders\
- Cultivate and maintain strong relationships with key partners, including banks, telcos, and other ecosystem players\
- Monitor industry trends and competitor activity, providing insights and recommendations to inform business strategy\
- Analyze data to identify areas for improvement and develop targeted solutions to drive business growth\
- Ability to work independently and collaboratively as part of a dynamic team\
- Strong organizational skills, with ability to prioritize tasks and manage competing deadlines\
- Demonstrated expertise in portfolio optimization, risk management, and credit strategy development\
- Excellent communication and interpersonal skills\
- Proven track record of driving business results through data analysis and strategic decision-making\
- Aptitude for working in a fast-paced, dynamic environment with multiple priorities and tight deadlines\
- Familiarity with credit scoring models, risk management frameworks, and regulatory requirements\
- Experience with data visualization tools and techniques to communicate complex data insights effectively\
- Strong analytical skills, with ability to collect, analyze, and interpret large datasets\
- Understand industry-standard data formats and protocols for secure data transfer and storage\
- Familiarity with cloud-based platforms and technologies, such as AWS or Azure\
- Ability to work in an agile development environment, collaborating closely with cross-functional teams\
- Maintain accurate records of project progress, task completion, and outcomes\
- Providing timely and relevant status updates to stakeholders\
- Interfacing with clients, internal stakeholders, and vendors to clarify requirements and expectations\
- Troubleshoot issues related to data quality, system errors, or other technical challenges\
- Evaluating and recommending enhancements to existing processes and systems\
- As needed, develops and maintains documentation for technical workflows and user procedures\
- Incorporate learnings from training sessions into current projects and day-to-day work\
- Provide coaching and guidance to junior team members\
- Adhere to confidentiality agreements and all security protocols to protect sensitive company and client information\
- Monitor and maintain compliance with all applicable laws, regulations, and industry standards\
- Support special projects as assigned by leadership\
- Perform any additional duties as assigned by the manager\
- Salary Range: $80,000 - $120,000 per year\
- Bachelor’s degree in Business Administration, Finance, Economics, Statistics, or Mathematics required\
- Master’s degree in a quantitative field, such as statistics or data science preferred\
- A minimum of 5 years of experience in credit risk management, portfolio optimization, or related field\
- Experience with leading cross-functional teams, managing budgets, and achieving business objectives\
- Technical proficiency in programming languages such as Python, R, or SQL\
- Familiarity with data visualization tools like Tableau or Power BI\
- Understanding of credit risk models, regulatory requirements, and industry standards\
- Ability to communicate complex technical information to non-technical stakeholders\
- Passion for staying up-to-date with industry trends and developments\
- Strong analytical skills and attention to detail\
- Excellent time management and organization skills\
- Ability to work in a fast-paced environment with multiple priorities and tight deadlines\
- Effective collaboration and teamwork skills\
- Positive attitude, adaptability, and resilience in a rapidly changing environment\
- Fluent English language skills\
- No prior knowledge of Africa required, but a willingness to learn and grow\
- Eligibility to work in the location country required]
Our company values diversity, equity, and inclusion in all aspects of our business, and we welcome applications from qualified candidates regardless of their race, gender, age, ethnicity, sexual orientation, or physical ability. If you are passionate about innovation, data analysis, and driving business results, please submit your application today Salary range estimates vary depending on qualifications, location, and other factors.
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