About this role
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