Business Intelligence Analyst

• Analyze large datasets across the lending lifecycle, including acquisition, underwriting, disbursement, repayment, collections, and recovery
• Identify trends, risks, and opportunities to improve portfolio performance
• Deliver actionable insights to Credit, Operations, Product, and Leadership teams
• Build and maintain real-time dashboards tracking PAR, NPLs, recovery rates, and disbursement volumes
• Automate recurring daily, weekly, and monthly performance reports
• Ensure data accuracy, consistency, and accessibility across teams
• Support development and monitoring of credit scoring models using telco, behavioral, banking, and device data
• Track portfolio health metrics, including PAR 30/90, roll rates, and default rates
• Conduct cohort analysis to evaluate loan performance and risk segmentation
• Analyze repayment behavior and optimize collections strategies
• Build segmentation models for early-stage, late-stage, and high-risk borrowers
• Support skip tracing and recovery optimization using data insights, including escalation effectiveness
• Partner with Product teams to track user journeys, conversion funnels, and drop-off points
• Design and evaluate A/B tests to improve acquisition, engagement, and repayment rates
• Provide insights to optimize pricing, loan offers, and customer targeting
• Work with Data Engineering to improve data pipelines, ETL processes, and warehouse structures
• Automate manual reporting processes using SQL, Python, or BI tools
• Ensure data governance and analytics best practices
• Support reporting requirements aligned with Central Bank of Nigeria guidelines
• Ensure integrity of financial and risk data used for audits and regulatory submissions
• Success metrics include accurate and timely reporting, improved portfolio performance, increased collections efficiency, faster decision-making through real-time dashboards, and measurable impact of data-driven experiments
• First six months: deliver functional lending and collections dashboards, reduce defaults and improve recovery rates, automate reporting, collaborate with Credit, Operations, and Product teams, and influence business decisions through data-driven recommendations