Latest Jobs at One Credit (5 Positions)

Job description

Strategic 20%
Support data analysis to identify improved risk assessment decisions.
Provide feedback for underwriting policy reviews and update.
Support strategic initiatives in terms of risk scoring, ID checking and automated acceptance.

Day to Day (80%)
Manage daily Loan Origination Chain from data entry to approval stage.
Perform detailed analysis on loan applications with reference to One Credit policies to assess suitability and affordability of applicants

Key Performance Indicators

• Disburse 98% of One Credit Loans within agreed turn-around-time
• Achieve less than 1% operational fraud loss
• Achieve less than 1% loss due to underwriting errors
• Achieve one underwriting policy improvement per quarter
• Perform data checks and verification to ensure accurate customer information is captured for all One credit applicant.
• Ensure appropriate KYC and credit reference checks are completed as part of the loan application process.

Desired Skills and Experience

• Good education with minimum of 3 years work experience
• Preferably in Retail Credit or Risk Management 
• Must be able to build, develop and grow team
• Must be able to handle assigned projects from concept to realization with little to no supervision
• 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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Job description

(a) Obtain accurate and timely data and produce a number of reports, regular and ad-hoc, designed to inform Management and Board about key aspects of the business: Customer Experience; Sales, Credit and Operational Risk. (b) Through analysis of data and trends, make recommendations for change.                                                                                                      

Reporting
Provide MIS and portfolio analytics in a timely manner. 

Produce monthly MI packs and other periodic/adhoc reports to cover the following areas
    Leads Management and Sales Analysis
    Turn-Around-Time (TAT)
    Through-the-door Analysis
    Delinquency (Various cuts)/ NPLs
    Fraud Tracking (FPD and Non Starters)
    Net flow/ Loss Rate
    Collections
    Customer Service reports etc.  

Analytics
Data analysis, data mining and predictive modelling applied to all products and markets.
Responsible for ensuring the collection of the right data that supports business objectives.
Lead in introducing concepts and ideas that generate the right kinds of analytics and trends that allow for optimization and efficiency throughout the organization.

Others
Collection queue definition, management and reporting; perform periodic test to ensure collection efficiency.
Provide collection policy and strategy feedback
 
Desired Skills and Experience
A University degree in any numerate
Minimum of 3 years
Preferably in Consumer Risk Management, Finance Support, Business Intelligence, Performance Management or MIS/ Analytics
High level of Numeracy
Problem Solving
Intermediate Excel Skills or SQL Skill
Data Manipulation
Excellent presentation and writing skills
Critical reasoning

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ROLE-PURPOSE
(a) To ensure compliance with agreed procedures. (b)To ensure operational losses are kept to a minimum. (c) To prevent fraud. (d) To ensure lessons are learned from any fraudulent activity, controls improved and no recurrence.(e) No regulatory breaches.                                                                                                      

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 - and ensure records/files are kept for future reference
Investigate fraud incidents to ensure cases are properly investigated, lessons learned and recommendations for change made
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.
Revenue assurance – review all income lines and GL to ensure correctness and prevent loss of revenue.
Follow up to ensure that all regulatory reports/returns are made on time

KEY PERFORMANCE INDICATORS

    Operational Loss Rates and Trends
    Timeliness and accuracy of reports
    Relevance and quality of recommendations and forecasts
    Regulatory fines

MINIMUM QUALIFICATIONS

A University degree in a numerate or finance degree 

EXPERIENCE

    Minimum of 3 years
    Preferably in Risk Management, Intenal Control, Compliance

REQUIRED SKILLS

    A “detail” person
    High level of Numeracy
    Problem Solving
    Intermediate Excel Skills or SQL Skill
    Data Manipulation
    Excellent presentation and writing skills
    Critical reasoning