To lead and manage the digital lending function by ensuring efficient credit assessment, risk management, portfolio growth, and quality performance of all digital credit products. The role oversees end-to-end digital credit processes, drives product innovation, enforces credit policies, optimizes decision models, and ensures robust performance of Credit Analysts – Digital Lending.

Digital Credit Strategy & Growth

• Develop and implement the bank’s digital lending strategy aligned with overall credit and business objectives.
• Lead enhancements of digital loan products, features, pricing, eligibility criteria, and customer journeys.
• Analyse market trends, customer behaviour, and competitor landscape to identify new digital lending opportunities.
• Support portfolio growth targets, profitability, and customer acquisition strategies.

Credit Assessment & Risk Management

• Oversee credit appraisal, automated scoring outputs, and decision-making processes for digital channels.
• Ensure credit analysts follow standard credit evaluation frameworks for digital loans.
• Review and approve digital credit recommendations based on delegated authority.
• Monitor early warning indicators, delinquency trends, fraud patterns, and scorecard performance.
• Recommend enhancement of algorithms, credit rules, and risk-based segmentation.

Portfolio Quality & Performance Management

• Track portfolio performance including PAR, NPLs, charge-offs, roll rates, and recovery ratios for digital loans.
• Conduct deep-dive analytics on customer cohorts, product segments, and behavioral trends.
• Implement corrective actions to improve portfolio quality and loss mitigation strategies.
• Lead periodic stress-testing and scenario analysis for digital lending portfolios.

Policy, Governance & Compliance

• Ensure digital lending operations comply with internal credit policies, regulatory requirements, and technology standards.
• Contribute to revision of credit policies, SOPs, underwriting guidelines, and digital credit limits.
• Ensure data ethics, customer protection, and cybersecurity requirements are observed.
• Coordinate with IT, Risk, Compliance, and Digital Banking teams for seamless governance.

People Management

• Lead, supervise, coach, and appraise Credit Analysts – Digital Lending.
• Build analytical capability within the team in areas such as data-driven credit evaluation, modelling interpretation, and digital trend analysis.
• Foster a high-performance culture with emphasis on speed, accuracy, and innovation.

Reporting & Insights

• Prepare and present periodic reports on portfolio performance, risk metrics, growth trends, and operational efficiency.
• Provide insights to senior management on digital credit opportunities, emerging risks, and required interventions.
• Oversee development of dashboards, MI reports, and analytics tools for digital lending.

Stakeholder Engagement

• Work with Digital Banking, IT, Data Science, Operations, Collections, and Product teams to optimize digital credit workflows.
• Liaise with external partners, fintech’s, and data providers to enhance credit decisioning capabilities.
• Represent the digital lending unit in internal committees and strategic forums.

Key Performance Indicators (KPIs)

• Digital loan portfolio growth vs. target
• PAR and NPL ratios for digital loan segments
• Approval turnaround time (TAT)
• Scorecard accuracy and decision quality
• Productivity and quality of Credit Analysts
• Fraud loss rate and exception management
• Customer satisfaction / digital journey success
• Compliance with policies and regulatory requirements

Qualifications and Experience

• Bachelor’s degree in finance, Banking, Economics, Data Science, Statistics, or related field.
• Master’s degree or professional qualification (CPA, CFA, CRB, Credit Certification) is an added advantage.
• Minimum 5 years’ experience in credit analysis, digital lending, or credit risk management.
• Experience supervising credit teams and managing digital lending portfolios.
• Strong understanding of digital scorecards, data analytics, machine learning-based decisioning, and credit automation tools.

Skills & Competencies

Technical Skills

• Strong credit analysis and risk assessment skills.
• Knowledge of digital lending models, fintech ecosystems, and APIs.
• Proficiency in data analytics tools (Excel, SQL, Python, BI dashboards—added advantage).
• Understanding of regulatory frameworks impacting digital credit.

• Critical Thinking and Problem Solving Skills

• Good Analytical Skills