Lending Analytics & Portfolio Management Manager

Role Objective: To manage and optimize the retail lending portfolio (mortgage, auto, business loans) through data-driven credit analysis, customer behavior insights, product performance monitoring, and providing strategic recommendations to improve pricing, risk, and distribution effectiveness.

Key Responsibilities:

1. Portfolio Management & Financial Performance

• Monitor and analyze NIM, ROE, CIR, conversion rates, and delinquency trends by product line

• Recommend improvements to product pricing, features, and conditions based on real-time portfolio data

• Assess the potential impact of new policy or product initiatives on existing and future portfolio health

2. Customer Segmentation & Behavioral Analysis

• Segment customers by credit profile, borrowing needs, payment behavior, and price sensitivity

• Build Customer Lifetime Value (CLTV) models and re-loan behavior forecasts

• Provide ongoing data insights to Product and Go-to-Market teams to enhance product relevance

3. Portfolio Risk Monitoring & Early Warning

• Develop and maintain Early Warning Systems (EWS) to identify at-risk segments or behaviors

• Collaborate with the Risk team to assess portfolio quality by region, channel, and product

• Analyze root causes of loan dropouts, delinquencies, and recommend corrective actions

4. Reporting & Dashboard Management

• Develop and maintain real-time dashboards on portfolio performance

• Collaborate with Data Engineering to ensure input data integrity and accuracy

• Present analytical findings and strategic insights to senior leadership on a regular basis

5. Strategic Pricing Analysis

• Build risk-based pricing models tailored to segment, region, and credit profile

• Support Product Development in designing dynamic pricing frameworks

• Evaluate campaign performance from a profitability and sustainability perspective

1. Education & Experience

• Bachelor‘s degree or higher in Finance, Economics, Data Analytics, Quantitative Economics, or related fields

• At least 5 years of experience in credit portfolio management, financial analytics, or lending BI

• Preferably experienced in digital banking, fintech, or managing portfolios worth over USD 1 billion

2. Technical Skills

• Proficiency in BI tools such as Power BI, Tableau, SQL, or Python for large-scale data analysis

• Strong business acumen with a solid grasp of financial modeling

• Deep understanding of key lending KPIs: NIM, ROE, PD/LGD, CIR, LTV

• Bonus: Familiarity with behavioral analytics and dynamic pricing models

3. Soft Skills

• Excellent data storytelling and presentation skills

• Strong cross-functional collaboration (Product, Risk, Sales, IT)

• Proactive, structured thinker with an action-oriented mindset