FI
Specialist Process Improvement – Digital Business Systems
Freelance10 days ago
Job Description
Lusaka
CDI
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The Digital Lending Business Analyst is responsible for monitoring, analysing, and reporting on the performance of the Bank’s Digital Lending portfolio. The role supports business decision-making through data analysis, credit risk assessment, performance monitoring, portfolio insights, and process optimization, ensuring accurate reporting, operational efficiency and compliance with the Bank’s policies and regulatory requirements. The position acts as a business partner to Consumer Lending, Risk, Finance, Operations and Technology teams by providing analytical support for the effective management of digital lending products. Key Responsibilities: Monitor the performance of the Digital Lending portfolio. Analyse portfolio trends, customer behaviour, and product performance. Produce regular portfolio performance reports and management information. Monitor key business and operational indicators. Develop periodic management reports and dashboards. Ensure accuracy, consistency, and integrity of business data. Analyse operational and portfolio data to support decision-making. Prepare presentations and analytical reports for Management. Monitor portfolio quality indicators including delinquency, NPL and collection performance. Analyse repayment behaviour and portfolio trends. Support periodic portfolio reviews through analytical reporting. Perform data analysis to identify portfolio risks, operational issues and recommend appropriate mitigation actions Analyse end-to-end Digital Lending processes. Identify operational bottlenecks and inefficiencies. Recommend process improvements supported by data. Participate in process documentation and optimisation initiatives. Support testing of new system functionalities and enhancements. Perform data validation during system implementations. Assist in User Acceptance Testing (UAT). Liaise with Technology teams regarding data quality and reporting requirements Prepare reports required by internal stakeholders. Support regulatory and audit reporting requirements. Technical Skills & Competence: Bachelor’s degree in Information Technology, Economics, Statistics, Mathematics, Business Administration, or related field. Advanced Microsoft Excel Power BI SQL (advantage) Data analysis Financial analysis Credit portfolio reporting SAS RStudio Python IFRS 9 Minimum 3 years’ experience in Banking, Consumer Lending, Credit Analytics, Business Analytics or Financial Analysis. Experience in analyzing lending portfolios. Experience in working with large datasets. Experience in management reporting. Qualifications and Requirements: Bachelor’s degree in Information Technology, Economics, Statistics, Mathematics, Business Administration, or related field. Advanced Microsoft Excel Power BI SQL (advantage) Data analysis Financial analysis Credit portfolio reporting SAS RStudio Python IFRS 9 Minimum 3 years’ experience in Banking, Consumer Lending, Credit Analytics, Business Analytics or Financial Analysis. Experience in analyzing lending portfolios. Experience in working with large datasets. Experience in management reporting.
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