NCBA Group Business Banking Score Card Analyst Jobs in Kenya

Division/Department: Retail Banking

Reports to: Head of Retail Credit Analysis

Unit: Retail Credit Analysis

Reports to: Head of Retail Credit
Analysis

Unit: Retail Credit Analysis

Department: Retail Banking

Grade: Band 4

Closing Date: 25th September 2022

Job Purpose Statement

To achieve business growth in Retail banking through review, development, testing and
performance of scoring models contributing to the development of the Retail Credit Analysis
strategy, translating the strategy into performance that will deliver revenue, profitability and share of market objectives.

The role will focus on:

Development, review and refining of score cards with an aim to achieve risk based pricing
for Business Banking Customers

Testing of score cards and data analysis to review performance

Integration of scorecards into the existing bank systems

Collecting and evaluating information to determine the potential risks of certain events
and their financial impact on businesses or individuals within Business Banking.

Using computer programs to compile and analyze data and create models, graphs, tables, and reports that display findings.

Ensure the Bank’s E-Credit systems are in use and are running well

Preparing reports

Key Accountabilities (Duties and Responsibilities)

Financial

Developing and refining strategies that minimize risk and costs to others.

Monitoring of scorecards and Digital business lending framework as per Credit Policy to maximize the benefits to the business unit.

Periodically review and monitor performance of digital loan products to enhance productivity and maintain risk thresholds.

Provide forward-thinking recommendations to the business by building in depth understanding of the problem domain and available business data
assets, especially those pertaining to strategic initiatives and value-based programs

Internal Business Process

Examine current and new business procedures relating to scoring models.

Identify effective solutions for business software system issues by assessing Business Banking loan performance, information, and trends and conducting regular tests and analysis.

Monitor credit systems status and report any progress or changes.

Validation and reporting on pre-qualified e-credit limits weekly

Monitor and Identify daily lending exceptions on all E-credit products

Manage resolution of all identified exceptions

Quarterly review of lending rules, models and scorecards

Research and estimate the costs of upgrades and improvements through performing requirements analysis, establish specifications for new projects by developing project goals, phases, and budgets.

Build econometric and statistical models for various problems inclusive of projections, classification, clustering, pattern analysis, sampling and simulations

Build the foundation of state-of-the-art scientific and technical capabilities within the Retail Analysis Department in order to support several planned and ongoing credit scoring projects.

Generate actionable insights through data mining

Review and recommend improvements in the Bank statement analyzer model

Active and Productive Engagement with Stakeholders

Collaborate with all relevant stakeholders in an effort to improve decision making and drive business performance

Processing of delinquency reports in a timely manner for monitoring of quality and growth of loan book by business and credit stakeholders:
Weekly and monthly performance reports

Evaluating business processes, anticipating requirements, uncovering areas for improvement, and developing and implementing solutions.

Conducting strategic meetings and presentations to share ideas and findings

Leading ongoing reviews of business processes and developing optimization strategies in the scoring arena.

Staying up-to-date on the latest process and IT advancements to automate and modernize systems relating to credit appraisal and analysis.

Working closely with clients, technicians, and managerial staff while gathering critical information from meetings with various stakeholders and producing useful reports.

Ensuring solutions meet business needs and requirements.

Performing user acceptance testing and training end-users on new reports and dashboards.

Managing scoring projects, developing project plans, and monitoring performance.

Bi-weekly TransUnion engagement on delivering on NCBA Bank requirements for the Bundled Solution pricing, trended view report and other appropriate business solutions.

Reporting Relationships

Direct Reports: 0

Indirect Reports: 0

Stakeholder Management

Internal

Retail Analytics

Credit Risk

Credit Operations

Audit and Compliance

BRM

Relationship Management Teams

Trade Finance

IT and operations

Leasing LLP

External

Transunion

Service providers

Bank statement analyzer providers

Consultants

Stakeholder Management

Finance and Administration

Ideal Job Specifications

Academic

Bachelor’s degree in Statistics, Actuarial Science, Data Science, Mathematics, Computer
Science, Machine Learning, Economics, or any other related quantitative field.

Professional

Big Data or Data Science certification from recognized institutions

Credit Management Or Analysis qualification

ACCA/CPA

Desired Work Experience

At least 3 years of working experience working with business analysis/informatics and
business outcomes research within a fast-paced and complex business setting,

Experience working with scoring models.

Experience and in-depth knowledge of big data platforms

NCBA Bank Core Value Behaviours (Performance Drivers)

Driven: – We are passionate, make bold decisions and learn from our failures. We seek new
challenges and appreciate different views constantly raising the bar. We explore our full
potential.

Open: – Our interactions are candid, honest and transparent. We listen to each other and our
clients. We are inclusive and always respect each other.

Responsive: – We are proactive, act quickly and resolutely to deliver results. We put our
customer’s interests at the heart of all that we do. We keep it simple and seek new ways to
improve.

Trusted: – As a trusted partner we do what is morally right always. We keep our word. We are
accountable and believe in each other.

Ideal Job Competencies

Technical Competencies

Numeracy and analytical skills

Proficiency in computer software and modeling programs.

Demonstrate a passion for research, statistics, and data analysis as well as a demonstrated ability and passion for designing and
implementing successful scoring and data analysis solutions within a business.

Strong understanding of data-mining techniques and an ability to apply these techniques in practical real-world business issues.

Demonstrate an ability to consider data, identify patterns, issues, or data analysis needs for the business

Demonstrate strong skill in statistical techniques inclusive of cluster analysis test design, regressions, and forecasting methodologies as well as substantial familiarity in big data and standardizing and A/B testing.

Industry Knowledge

Exposure to diverse players, across multiple channels and platforms.

Shares insights on industry trends; identifies opportunities that can be exploited and concerns to be avoided / mitigated against.

Familiarity with specific industries, such as finance or insurance, may be beneficial.

Behavioural Competencies

Communication Skills:

The score card analyst will be required to explain advanced statistical content to relevant
stakeholders.

Have the ability to translate and tailor this technical content into business applicable material with clear recommendations and insights relevant to the audience at hand.

Interpersonal Skills:

Ability to work effectively in a group/ collaborative setting, be result oriented, be highly analytical, be a strategic and creative thinker, have superior organizational skills, have a strong attention to details, have an ability to work on multiple projects and meet tight deadlines, have exceptional problem solving skills, and remain calm and composed in times of stress and uncertainty.

People Skills: people person, demonstrating an ability to create and maintain strong,
meaningful, and lasting relationships with others.

He must also be a confident but friendly and
approachable individual who will inspire confidence and trust in his seniors and key stakeholders

Key Success Factors

Communication (verbal, written) skills

Planning and organisation skills

Team-player

Proactiveness

How to Apply

For more information and job application details, see: https://ke.ncbagroup.com/jobs/business-banking-score-card-analyst/

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