Senior Risk Analyst (Portfolio Risk)

Job title : Senior Risk Analyst (Portfolio Risk)

The Role 

• The Senior Risk Analyst (Portfolio Risk) is responsible for driving portfolio risk analytics, credit performance monitoring, Expected Credit Loss (ECL) modeling, impairment analysis, and value-added risk initiatives that optimize portfolio performance and profitability. 
• The role partners closely with Risk, Finance, Product, Collections, and Technology teams to deliver actionable portfolio insights, automate reporting, improve decision-making, and support strategic initiatives such as Risk-Based Pricing (RBP), digitalization, and portfolio optimization. 
• This role is ideal for someone with strong analytical capabilities, deep knowledge of retail lending portfolios, IFRS 9/ECL methodologies, and the ability to translate complex data into business recommendations within a fast-paced financial services environment. 

What You Will Do 

• Monitor and analyze portfolio performance across all lending products, identifying emerging risks, trends, and business opportunities. 
• Develop, automate, and maintain portfolio risk dashboards, management reports, and executive reporting. 
• Lead value-added portfolio initiatives including Risk-Based Pricing (RBP), digitalization, and portfolio optimization projects. 
• Deliver timely, accurate, and insightful reporting to support strategic and operational decision-making. 
• Own the portfolio Expected Credit Loss (ECL) and impairment analysis in accordance with IFRS 9 requirements. 
• Provide profitability analysis by evaluating impairment costs, portfolio performance, and P&L contribution across each lending product. 
• Support forecasting of credit losses, provisions, and portfolio performance under different economic scenarios. 
• Design and enhance portfolio monitoring frameworks, early warning indicators, and risk performance metrics. 
• Collaborate with Data, Finance, Product, Collections, and Technology teams to improve data quality and reporting automation. 
• Build automated reporting solutions and improve data infrastructure to reduce manual processes. 
• Conduct deep-dive analyses into portfolio trends, customer behavior, segmentation, and credit performance. 
• Perform portfolio stress testing, sensitivity analysis, and scenario modeling. 
• Support regulatory reporting, internal audits, and governance requirements relating to portfolio risk. 
• Recommend risk policy enhancements based on portfolio performance and analytical findings. 
• Maintain documentation for portfolio methodologies, reporting processes, and analytical models. 
• Drive continuous improvement initiatives across portfolio analytics and reporting capabilities.

Requirements

Educational Qualification 

• Bachelor's Degree in Statistics, Mathematics, Economics, Finance, Accounting, Computer Science, Engineering, or a related quantitative discipline. 
• Master's Degree is an added advantage.

Professional Certifications: 

• FRM (Financial Risk Manager) – preferred. 
• CFA (Chartered Financial Analyst) – an advantage. 
• ACCA, ACA, or equivalent accounting qualification is beneficial. 
• IFRS 9 or Credit Risk certifications are an added advantage. 
• Microsoft Power BI, SQL, Python, SAS, or Data Analytics certifications are desirable.

Experience: 

• Minimum of 5–7 years of experience in Portfolio Risk, Credit Risk Analytics, Risk Modelling, or Financial Risk. 
• Experience within banking, fintech, consumer lending, digital lending, or financial services. 
• Demonstrated experience with IFRS 9, Expected Credit Loss (ECL), impairment analysis, and portfolio monitoring. 
• Experience building automated reporting and portfolio dashboards. 
• Experience supporting senior management with portfolio performance insights and strategic recommendations.

Professional Competencies: 

• Strong knowledge of portfolio risk management principles and retail lending products. 
• Deep understanding of IFRS 9, ECL methodologies, impairment calculations, and provisioning. 
• Strong analytical skills with experience interpreting large datasets and translating insights into business actions. 
• Advanced proficiency in SQL, Excel, Power BI, Tableau, Python, SAS, R, or similar analytical tools. 
• Strong understanding of P&L drivers, portfolio profitability, and financial performance analysis. 
• Experience designing portfolio monitoring frameworks and early warning indicators. 
• Ability to automate reporting processes and improve reporting efficiency. 
• Strong knowledge of credit risk metrics including PAR, Roll Rates, Vintage Analysis, Loss Rates, Recoveries, and Collections performance. 
• Excellent presentation, communication, and stakeholder management skills. 
• Strong attention to detail with the ability to influence strategic decision-making through data. 
• Ability to manage multiple priorities within a fast-paced environment.

 
This Role Is Ideal For You If: 

• You enjoy transforming complex portfolio data into strategic business insights. 
• You are passionate about credit risk analytics, portfolio optimization, and automation. 
• You enjoy improving reporting efficiency through digitalization and data-driven solutions. 
• You thrive in solving complex business problems using analytics. 
• You enjoy collaborating across Risk, Finance, Technology, and Product teams. 
• You want to influence credit strategy and portfolio performance at scale.

You May Not Enjoy This Role If: 

• You prefer operational roles over analytical and strategic work. 
• You are uncomfortable working with large datasets and complex financial models. 
• You dislike automation, reporting, or continuous process improvement. 
• You prefer highly repetitive work with limited opportunities for innovation. 
• You are not interested in financial performance, impairment, or portfolio optimization.

Benefits

• Opportunity to shape portfolio strategy within a leading fintech organization. 
• Direct ownership of portfolio analytics, IFRS 9 reporting, and risk insights that influence executive decision-making. 
• Exposure to large-scale digital transformation, Risk-Based Pricing (RBP), and advanced analytics initiatives. 
• Opportunity to collaborate with Risk, Finance, Product, Data, Engineering, and Executive Leadership teams. 
• Continuous learning, professional certification sponsorship, and career development opportunities. 
• Competitive compensation and the opportunity to solve complex, high-impact credit risk challenges.