Product-Portfolio Manager
Credit Direct Limited, Nigeria
Job Description
About Us
At Credit Direct Limited, we firmly believe that it's our people that make us special! We are a passionate and inspired group of individuals who enjoy building valuable financial products to keep enabling people’s peace of mind! We put our people at the heart of everything we do, and champion curiosity and connectivity to deliver the best experiences for our customers.
We pioneered the unsecured micro-lending space in Nigeria and are positioned to be the dominant market leader in the Country and beyond. Entrepreneurship, Evolution, Energy, Empathy and Execution are part of our corporate DNA, and we are committed to EXCELLENCE. Our culture celebrates and supports the differences that make each of us unique.
By focusing on representation, recruitment, engagement, culture, accountability, and education, we’re committed to being a workplace where everyone can grow. If you enjoy solving challenges and believe in putting the customer first, you should join our team!
Job Summary
We are looking for an experienced Product-Portfolio Manager who is passionate about building products and managing portfolios that customers love and deliver the CDL’s vision and strategy. You will join a dynamic and fast-paced environment and work with cross-functional teams to design, build good quality loan portfolio, roll out products, manage relationships and stakeholders (Internal amp; External) and generate good revenue for CDL.
Job Responsibilities
1. Cognitive Risk and Portfolio Management
- Designing and implementing and overall risk management processes for the organization which includes and analyses of the financial impact of risk on the company per product
- Monitor and evaluate performance indicators of the portfolio and study the trends for business growth, product acceptance, product cycle stage, and risk levels
- Collaborate in the development of policy and process guidelines for new products or commercial initiatives
- Lead the design and implementation of Credit, Collection and fraud scoring tools
- Performing ad-hoc analytics to dig into and research credit trends
- Evaluating how changes in the macroeconomic environment (including competitor trends) impact the performance of credit portfolios
- Creating Outside-In views of consumer credit including partnerships with Credit Bureaus for Credit information behaviour
- Portfolio performance tracking and analysis
- Review Risk reports developed by Risk analyst, analyze and advise Management on Risk perceptions and recommended options to mitigate risks
- Analyze the Risk Management Reports (Net flow / trend analysis, vintage analysis, first payment defaults, and was/is analysis)
- Conduct on-going review and analysis of the credit portfolio to determine delinquency patterns and recommend appropriate action
2. Customer Profiling
- Provide analysis and risk recommendations through customer profiling and Segmentation.
- Responsible for all customer risk-based segment group research including extracting customer data and analyzing profiles to determine segment requirements.
- Responsible for analysis of portfolio trends, concerning credit score cut-offs, loss trends, portfolio dynamics, and scoring criteria.
Requirements
- Bachelor’s degree in business, finance, investment or a related field preferred
- Proven work experience as a Portfolio Manager or similar role
- Strong understanding of sales strategies and risk management
- Strong analytical and problem-solving skills
- Excellence in communicating complex technical topics to both technical and C-level audiences in compelling, innovative, and informative ways while working with cross-functional, geographically dispersed teams
- Strong content and messaging skills including building pitch decks, executive briefing materials, blog creation, public speaking, and other forms of content creation and delivery
- Ability to deal with ambiguity, create clarity, inspire confidence, own outcomes, and work well in a team
- Ability to effectively lead and build relationships at all levels of the organization
Benefits
What we offer
- A competitive base salary with fast, results-driven raises
- Employee Development
- A vibrant culture and great work ambience
- A fast paced, high performing team
- Innovative and equitable compensation
- Comprehensive Health Insurance
About the hiring process
Our hiring process is set up to adapt to the needs of the individuals. In general, you can expect:
- A short HR video call
- Subsequent calls with other management members or t