Credit Policy Strategist
23 hours ago
Comviva Technologies is a leader in digital finance and payments solutions, empowering financial institutions to offer innovative digital lending services to their customers. With a strong focus on leveraging alternative data and machine learning algorithms, we aim to create personalized loan programs that meet the unique needs of each customer.
Our mission is to bridge the gap between traditional banking and digital finance, enabling financial inclusion for millions of people around the world. We achieve this through our cutting-edge digital lending platform, which enables financial institutions to quickly and efficiently extend credit to customers who may not have access to traditional banking services.
Job Responsibilities- Portfolio Strategy & Credit Policy: Develop a comprehensive credit strategy to drive our digital lending business, including customer eligibility, limit/exposure decisions, and ongoing communication to drive adoption and repayment.
- Collaborate with Africa Business and Product Team: Partner with the Africa business and product team to develop and optimize the customer journey and communication strategy to drive uptake, usage, and repayment.
- Work with External Debt Collection Agencies: Collaborate with external debt collection agencies to optimize direct debit rules and drive collection effectiveness for delinquent customer segments.
- 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 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).
- Passion for using data and algorithms to drive underwriting decisions; previous exposure to ML algorithms (preferably multiple).
- Strong entrepreneurial drive.
We offer a competitive salary range of $90,000 - $140,000 per annum, commensurate with experience.
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