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.