Credit Policy and Portfolio Analyst

The Credit Policy and Portfolio Analyst is responsible to assist in the development and implementation of the company’s credit policies and procedures as well as continuous monitoring of the lending portfolio to ensure heathy portfolio growth.

This role ensures that the company is effectively managing credit risk while maintaining growth and profitability. The Credit Policy and Portfolio Analyst also needs to work closely with various stakeholders to ensure the quality of the credit decisions, adherence to credit policies, and continuous monitoring of the credit portfolio to mitigate risks.

RESPONSIBILITIES:

Credit Policy Development and Implementation

• Assist in designing and implementing credit policies that minimize risk while aligning with business objectives.
• Assist in reviewing and updating credit policies regularly based on business requirements, market changes and regulatory updates.
• Ensure the credit policies are consistently followed across lending products.
• Provide feedback and suggestions for improvement in credit underwriting standards, highlighting any gaps or areas of opportunity in policy or procedure.

Credit Review and Monitoring:

• Assist in conducting regular credit reviews for existing portfolios, identifying early warning signs of potential defaults or credit deterioration.
• Assist in monitoring and reporting of portfolio performance, ensuring that delinquent accounts are managed effectively, and corrective actions are recommended.
• Engage in periodic reviews and audits of approved credit applications to ensure consistency in underwriting standards and policy compliance.

Reporting and Analysis

• Prepare credit risk reports and updates for senior management, highlighting portfolio performance, delinquency trends, and areas of concern.
• Develop portfolio and early warning framework, perform ad hoc portfolio analysis and able to provide insights using advanced analytics.
• Support the preparation of materials for credit risk meetings, ensuring that all credit-related data is accurate and up to date.
• Assist in providing recommendations for credit risk mitigation and policy adjustments based on report findings.

Stakeholder Engagement:

• Work closely with relationship managers, business units, and credit risk management teams to ensure alignment on credit decisions and policy changes.
• Support the business by recommending appropriate credit terms and ensuring credit decisions facilitate business growth without compromising risk.

KEY RESULTS AREA:

• Portfolio Analysis: Proactively perform portfolio analysis and ensure credit performance is within benchmark and meet acceptable unit economics. Strive for improvement in tracking performance and credit reporting dashboard
• Effective Portfolio Monitoring: Conduct thorough monitoring of the credit portfolio, identifying risks and recommending timely interventions.
• Policy Adherence & Improvement: Ensure full compliance with internal credit policies and provide valuable input for policy enhancement.
• Stakeholder Collaboration: Foster strong working relationships with internal stakeholders to ensure seamless credit processes.

JOB REQUIREMENTS & CRITERIA:

• Bachelor’s degree in Statistic, Mathematics, Computer Science, or related discipline.
• At least 1-2 years' experience in portfolio analytics including portfolio management and collections area.
• Hands-on experience in advanced analytics/programming languages/ data visualization techniques e.g. SAS/SQL/Tableau/VBA (or equivalent).
• Proficiency in credit risk models, financial analysis tools, and risk assessment methodologies.
• Ability to collaborate with business units to ensure credit terms align with both risk and business growth objectives.
• Strong written and verbal communication skills to convey credit decisions and recommendations to senior management and business units.