Key Responsibilities
Credit Risk Strategy & Policy
Develop and refine credit scorecards and risk segmentation frameworks
Design acquisition, pricing, and limit management strategies
Align rental pricing models with customer risk profiles
Build and implement data-driven credit policies
Optimise customer onboarding and decisioning processes
Implement fraud prevention best practices
Risk Analytics & Modelling
Monitor portfolio trends, credit losses, and early warning indicators
Partner with data teams on scorecard development and validation
Conduct stress testing and forward-looking risk assessments
Build robust management reporting and dashboards
Portfolio & Systems Oversight
Oversee loan management system optimisation
Manage key suppliers (credit bureaus, payment aggregators, lock mechanisms)
Ensure data integrity and system integration effectiveness
Collections & Performance Management
Oversee automated collections environment (bots, WhatsApp, SMS, call centre)
Monitor bad debt ratios and recovery performance
Implement mechanisms to reduce never-payers and fraud exposure
Compliance & Governance
Ensure regulatory adherence across credit lifecycle
Maintain ethical handling of customer data
Support legal and escalated risk processes
Requirements
8 - 10 years' experience in mass market credit / micro-lending
Strong data analytics and scorecard development experience
Proven experience balancing growth and risk
Background in consumer lending, retail credit, or high-volume portfolios
Experience in entrepreneurial, high-performance environments