GENERAL JOB INFORMATION
Job Title/Position
Manager, Mobile & Micro Lending Risk Analytics
Business Unit
Risk Management Department
Reports to
Head, Consumer and Commercial Credit
Location
Ghana
Job Grade/Level
4C (Level 7)
JOB PURPOSE
• To provide dedicated oversight, analytics, data insights of digital lending portfolio, performance monitoring, and governance support for the Bank's mobile, digital and micro-lending portfolios to ensure sustainable portfolio growth, acceptable loss levels and compliance with Group and regulatory requirements.
KEY DUTIES AND RESPONSIBILITIES
Portfolio Analytics
Perform portfolio monitoring and trend analysis.
Conduct vintage, roll-rate, delinquency and behavioural analyses.
Monitor roll rates and cure rates.
Produce portfolio performance dashboards.
Analyse portfolio profitability and risk-adjusted returns.
Credit Risk Monitoring
Monitor scorecard effectiveness.
Monitor concentration risk and emerging portfolio risks.
Review and assess lending model performance and scorecard effectiveness.
Perform stress testing and sensitivity analyses.
Recommend changes to lending rules as may be appropriate.
Recommend risk appetite parameters.
Business Growth Support
Support the responsible growth of the portfolio
Recommend adjustments to lending parameters and portfolio limits.
1
Governance & Reporting
Ensure conformance with Group requirements.
Ensure compliance Regulatory requirements.
Ensure risk controls are operating effectively.
Produce management reporting and portfolio dashboards.
Support regulatory reporting obligations.
Transformation
Support portfolio automation initiatives.
Improve utilisation of analytics in lending decisions.
Key Performance Indicators
Delinquency ratio.
Portfolio loss rates.
Portfolio growth support.
Vintage performance.
Maturity and quality of management reporting.
Model performance indicators.
Risk-adjusted portfolio performance.
Accuracy and timeliness of portfolio reporting.
Analytics-driven recommendations implemented.
COMPETENCY AND SKILL REQUIREMENTS
Degree in Statistics, Actuarial Science, Mathematics, Physics, Economics, Banking or related discipline.
Minimum 5 years in consumer lending analytics, risk analytics or digital lending.
Skills Required
- Degree in Statistics, Actuarial Science, Mathematics, Physics, Economics, Banking, or a related discipline
- Minimum 5 years of experience in consumer lending analytics, risk analytics, or digital lending
Ecobank Transnational Incorporated Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Ecobank Transnational Incorporated and has not been reviewed or approved by Ecobank Transnational Incorporated.
-
Healthcare Strength — Offerings include full medical cover with preventive care, free health screenings, counselling, and access to gyms in some locations. Wellness initiatives such as stress‑management workshops and, in some markets, dependent coverage are also described.
-
Leave & Time Off Breadth — Options include flexible working hours as well as maternity, compassionate, and study leave. Time‑off categories are presented as part of a broad benefits suite.
-
Strong & Reliable Incentives — Compensation design includes a performance‑based culture with annual bonuses and short‑ and long‑term incentive programs. Investment in training via Ecobank Academy complements these rewards.
Ecobank Transnational Incorporated Insights
What We Do
Ecobank Transnational Incorporated (‘ETI’) is the parent company of the Ecobank Group, the leading independent pan-African banking group. The Ecobank Group employs over 14,000 people and serves about 20 million customers in the consumer, commercial and corporate banking sectors across 35 African countries. The Group has a banking license in France and representative offices in Addis Ababa, Ethiopia; Johannesburg, South Africa; Beijing, China; London, the UK and Dubai, the United Arab Emirates. The Group offers a full suite of banking products, services and solutions including bank and deposit accounts, loans, cash management, advisory, trade, securities, wealth and asset management. ETI is listed on the Nigerian Stock Exchanges in Lagos, the Ghana Stock Exchange in Accra, and the Bourse Régionale des Valeurs Mobilières in Abidjan.
