Junior Quant / Scorecard Analyst

ABOUT THE COMPANY The genesis of The Concept Group was initially borne from a functional and structural approach, simply delivering better effectiveness through shared services of back office functions for its more market facing organizations.

As the organization grew, the Group along with its member subsidiaries have evolved to embody much more. As a tested guiding light, our core values which we passionately uphold give us a sense of purpose and direction not only in our professional but in our private lives also. These values summarized are based on three pillars; (Great) People, (Continuous) Innovation and the (Ideal) Culture. JOB SUMMARY Bachelor’s Degree in Statistics, Mathematics, Data Science, Computer Science, Economics, Engineering, or similar.1 - 3 years of experience in credit analytics, data analysis, quantitative modelling, or related fields.Knowledge of Python, R, or SAS (basic to intermediate).Ability to write SQL queries and work with structured datasets.Understanding of credit scoring, logistic regression, and model validation concepts.Experience in banking, microfinance, or digital lending is an advantage. RESPONSIBILITIES Data Preparation & Management:Extract, clean, and organize datasets for credit modelling and analysis.Work with data engineering and MIS teams to ensure data integrity and completeness.Conduct data quality checks and produce summary statistics.Scorecard & Model Development Support:Assist seniors in building credit scoring models (application, behavior, collection).Perform exploratory data analysis (EDA) and variable selection.Support model development using logistic regression, decision trees, and basic ML techniques.Prepare model datasets, feature engineering, and transformations.Model Monitoring & Performance Tracking:Monitor model KPIs such as Gini, KS, AUC, PSI, and score distribution.Track override patterns, approval rates, and model drift.Prepare monthly and quarterly model performance reports.Portfolio Analytics:Assist with analysis of delinquency trends, roll rates, NPL ratios, and credit losses.Support cohort/vintage analysis for MFB and money lending products.Provide insights to help refine underwriting policies and risk strategies.IFRS 9 & Regulatory Support (Basic):Support model documentation and basic calculations for expected credit loss (ECL).Assist with regulatory submissions related to credit scoring or risk models.Maintain compliance with data and modelling standards.Documentation & Reporting:Prepare model documentation (methodology, testing, assumptions).Draft monitoring reports and dashboards for internal users.Ensure all development steps follow model governance rules.Collaboration:Work with underwriters, credit analysts, and product teams to understand business requirements.Provide quantitative insights for new product development and risk appetite changes.Support Senior Modellers and Analysts in project execution. REQUIRED SKILLS Credit auditing, Risk analysis, Budgeting, financial planning, Analytics REQUIRED EDUCATION Bachelor's degree

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