Jobs at Growth in Value Alliance (GV Alliance)

Job Description

• Initiate and manage data driven campaigns using various communication channels
• Monitor, report and recommend changes to product/ sales approach based on performance.
• Recommend, initiate and manage performance of new product initiatives, markets and features (tests /pilots)
• Data analysis, data mining and predictive modelling applied to all products and markets.
• Lead in introducing concepts and ideas that generate the right kinds of analytics and trends that allow for optimization and efficiency throughout the organization.

Provide MIS and portfolio analytics in a timely manner includes but not limited to monthly risk packs and other periodic/adhocreports covering the following areas:

• Product performance
• Marketing/ Business Intelligence
• Leads Management and Sales Analysis
• Turn-Around-Time (TAT)
• Through-the-door Analysis (Demography, Geography etc.)
• Customer Service reports etc.

System administration - this includes but not limited to:

• MIS and User policy execution.
• Data accuracy, mining and storage.
• Report customization and execution.

Key Competencies:

• Must be able to work within a team.
• Ability to propose and implement improvements to the department / policy and procedures.
• Must be able to achieve customer satisfaction within a highly regulated environment.
• Must have good attention to details,critical reasoning and problem solving skills.
• Must have excellent writing and verbal skills.
• Must have a very high level of computer literacy.
• Reports to:Risk Intelligence Manager.

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Reports To: Risk Intelligence Manager

Job Description

• Analyse all first payment defaults, non-starters and severe collection cases to confirm due diligence in the underwriting process and determine root cause.
• Perform compliance spot check and reviews on customer files - applications and loans disbursed.
• Monitor and promptly report all fraud incidents - actual and attempted.
• Investigate fraud incidents to ensure cases are properly investigated per applicable policy.
• Ensure that adequate records / files are kept for fraud incidents in a logical manner.
• Stay on top of the latest trends and developments in the fraud industry and circulate current fraud trends and other awareness material to the applicable teams.
• Implement fraud prevention and anti-fraud management tools; automate processes.
• Provide MIS and portfolio analytics in a timely manner includes but not limited to monthly risk packs and other periodic/adhocreports covering the following areas:
  • Delinquency (Various cuts)/ NPLs
  • Fraud Tracking (FPD and Non Starters)
  • Net flow/ Loss Rate
  • Collections efficiency/ Root Cause Analysis
  • Risk Exposures/ Limits
• Collection queue definition, management and reporting; perform periodic test to ensure collection efficiency.
• Responsible for ensuring the collection of the right data that supports business objectives.
• Provide collection policy and strategy feedback

Key Competencies:

• Must be able to work within a team.
• Ability to propose and implement improvements to the department / policy and procedures.
• Must be able to achieve customer satisfaction within a highly regulated environment.
• Must have good attention to details,critical reasoning and problem solving skills.
• Must have excellent writing and verbal skills.
• Must have a very high level of computer literacy.

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Key Responsibility

• Planning, designing and implementing an overall risk management process for the organisation.

This includes but not limited to:

• Identifying Loss drivers
• Collections Strategy and Operations
• Operational Risk
• Fraud Prevention and Control
• Establish and implement principles and credit policies that are aligned to the needs of the organisation.
• Credit Scoring and underwriting policies
• Own the design and pilot programs for consumer lending and credit card products.
• Risk evaluation and measurement
• Implement credit policies in a timely and proactive manner that supports profitable portfolio growth and minimized exposure to unprofitably high risk segments/ markets.
• Maintain risk policy documentation and communication channels to all business partners.
• Manage the performance of the portfolios by providing MIS and any necessary analysis to senior management in a timely manner. Produce detail monthly risk packs and periodic business intelligence reports.

Provide data mining and analytical support for various credit risk initiatives. This includes but not limited to:

• Customer profiling
• Marketing
• Sales
• Collections and Recovery
• Manage and train collections agents
• Allocate 1 - 89 DPD accounts to collections agent and tracking of collections status.