JOB PURPOSE
The role
holder will be responsible for leading data-driven decision-making within the
Digital Lending unit by designing, implementing, and optimizing credit scoring
models, risk analytics frameworks, and product performance dashboards. The
position ensures that business strategies, customer targeting, and risk
decisions are guided by accurate, timely, and actionable data insights.
KEY RESPONSIBILTIES
- Data Strategy &
Governance
- Credit Analytics &
Model Development
- Performance Monitoring
& Insights
- Stakeholder Engagement
& Business Support
- Customer Experience &
Services Delivery
- Leadership & Capacity
Building
- Risk & Compliance
Analytics
MAIN ACTIVITIES:
Data
Strategy & Governance
- Develop and implement a
data strategy for digital lending products
- Ensure data quality,
governance, and consistency across lending platforms, integrations, and
reporting systems.
- Collaborate with IT,
Risk, and Finance to ensure alignment with enterprise data standards and
regulatory compliance (e.g., CBK, Data Protection Act).
Credit Analytics & Model Development
- Lead the design and
continuous improvement of credit scoring and behavioural models using
customer transaction and alternative data sources.
- Apply machine learning
and statistical modeling to improve loan eligibility, limit assignment,
and default prediction.
- Collaborate closely with
the Credit Risk and Bank Risk teams to align model development with the
bank’s credit policy, risk appetite, and regulatory standards.
- Ensure models are tested,
validated, and monitored in line with model risk management principles,
incorporating feedback from the risk teams during each review cycle.
- Partner with Credit Risk
to establish performance monitoring metrics (e.g., default rates, PD, LGD,
EAD) and continuously refine models based on emerging portfolio trends and
risk insights.
Performance
& Portfolio Monitoring
- Build and maintain
real-time dashboards tracking portfolio performance, repayment trends, and
product profitability.
- Provide actionable
insights to optimize loan limits, pricing, and repayment strategies.
- Conduct root cause
analysis of delinquency and loss trends and propose corrective actions.
Stakeholder
Engagement & Business Support
- Collaborate with product
managers, risk officers, and partners to translate data insights into
product enhancements.
- Provide data-driven
recommendations for pricing, customer segmentation, and credit policy
adjustments.
- Present regular reports
to management highlighting key trends, risks, and opportunities.
Customer
Experience & Service Delivery
- Ensure data insights and
analytics are used to enhance customer experience across the digital
lending journey — from onboarding and credit assessment to loan servicing
and repayment.
- Use customer feedback and
behavioural data to identify pain points, reduce loan approval turnaround
times, and improve satisfaction scores.
- Collaborate with the
customer service team to build data-driven dashboards that track service
efficiency (e.g., loan disbursement delays, repayment success rates, and
complaint resolution trends).
- Support proactive
management of customer relationships through early identification of
delinquency risk or service friction points.
- Champion a customer-first
culture by embedding data-led decision-making that aligns risk management
with customer value and trust.s
Personal
Leadership & Development
- Manage self: Show drive
and motivation, an ability to self-reflect and a commitment to learning;
- Communicate effectively
communicate clearly, actively listen to others, and respond with
understanding and respect.s
- Commit to Customer
Service: provide, customer-focused services in line with banking sector
and organizational objectives – adherence to the bank customer service
charter and ensure personal accountability so as to meet the laid down
Service Level Agreements (SLA) and work within stipulated Turn Around Time
(TAT).
- Work Collaboratively
Collaborate with others and value their contribution.
- Deliver Results Achieve
results through the efficient use of resources and a commitment to quality
outcomes;
- Think and solve problems,
analyze and consider the broader context to develop practical.
- Keeping abreast with
staff communications, attending staff meetings – morning huddles and
weekly progress meetings.
- Responsible for own
career within the bank and preparing an annual Personal Development Plan
(PDP) and ensuring its actualization.
- Adherence to the banks
policies and procedures, dress code, code of conduct, HR policies and
procedures and follows laid down grievance and disciplinary procedure to
ensure a conducive work environment.
- Closure of identified
deficiencies from concluded audits, correction within stipulated
timelines, and ensure no repeat findings.
- Live the brand values as
a Sidian Bank brand ambassador and always project the right image of the
bank to both staff and customers.s
Risk
& Compliance Analytics
- Develop and maintain
data-driven risk monitoring tools in collaboration with Risk and
Compliance teams.
- Detect unusual
transaction patterns, potential fraud, and early warning indicators using
analytics.
- Ensure all analytical
processes adhere to AML/CFT, Data Protection, and CBK regulatory
requirements.
DECISION MAKING AUTHORITY
- Recommendations of
analytics frameworks, data models, and reporting methodologies.
- Recommendations on
lending performance metrics, risk indicators, and credit limit
adjustments.
- Oversight of model
validation, risk psarameter calibration, and data governance standards
within Digital Lending.
ACADEMIC BACKGROUND
- Bachelor’s degree in
Statistics, Mathematics, Computer Science, Data Science, Economics, or
related field.
- Master’s degree in Data
Analytics, Quantitative Finance, or Business Analytics is an added
advantage.
- Strong command of SQL,
Python/R, Power BI/Tableau, and statistical modeling tools.
WORK EXPERIENCE
- At least five (5)5 years’
experience in banking.
- 3+ years of experience in
data analytics, credit risk, or data science, preferably in digital
lending or financial services.
SKILLS & COMPETENCIES
- Strong knowledge of
digital lending, retail, and SME financial products, with a deep
understanding of data flows and customer transaction behaviors across
digital channels.
- Solid grasp of the CBK
regulatory framework, data protection requirements, and reporting
obligations impacting digital credit and financial data usage.
- Demonstrated ability to
translate business problems into analytical solutions through advanced
data modeling, visualization, and insight generation.
- Proven experience in data
governance, quality assurance, and automation, ensuring accuracy and
reliability in analytics outputs.
- Excellent communication
and presentation skills, with the ability to explain technical insights to
non-technical stakeholders and influence strategic decisions.
- Strong stakeholder
management and collaboration skills, working cross-functionally with
Credit Risk, Compliance, Product, and IT teams.
- Leadership and team
development skills with the ability to mentor analysts and drive a
data-informed culture within Digital Lending.
- Exceptional analytical,
critical thinking, and problem-solving abilities, with attention to detail
and a proactive approach to innovation.
- Effective planning,
prioritization, and project management capabilities to deliver analytics
initiatives on time and with measurable impact.
PROFESSIONAL CERTIFICATION
Desirable
to have:
- Professional
Certification in Data Analytics, Data Science, or Business Intelligence.
How to Apply
