Digital Lending Specialist

Full-Time

Key Responsibilities

Digital Lending Portfolio Management

• Monitor and manage the performance of digital lending portfolios (personal micro loans, overdrafts, and unsecured digital SME products).
• Track key portfolio metrics including PAR, NPL, roll rates, vintage curves, early warning signals, and write-offs.
• Recommend and implement portfolio optimization strategies to maintain asset quality within risk appetite.
• Conduct periodic portfolio reviews and deep dives by segment, channel, and product.
• Drive risk-based limit management and exposure controls.

Credit Policy & Underwriting Framework

• Develop, review, and continuously enhance digital lending credit policies and risk acceptance criteria.
• Design and maintain decision rules and scorecard cut-offs.
• Ensure alignment between risk appetite, pricing, and underwriting standards.
• Approve exceptions within delegated authority and recommend higher-level approvals where required.

Credit Analytics & Scorecard Management

• Oversee the validation and recalibration of credit scoring models for digital products.
• Use data analytics to improve approval rates while maintaining portfolio quality.
• Drive use of alternative data (telco, mobile money, behavioral data) where permissible.

Risk Monitoring & Early Warning

• Establish and maintain early warning indicators for digital portfolios.
• Monitor first payment default (FPD), early delinquency, and forward-roll trends.
• Trigger and coordinate remedial actions for deteriorating segments.
• Work closely with Collections to optimize cure rates and recovery strategies.
• Prepare monthly portfolio risk reports for senior management and risk committees.

Regulatory & Compliance Oversight

• Ensure full compliance with Bank of Uganda (BoU) credit guidelines, IFRS 9 impairment requirements, consumer protection standards, and data privacy and digital lending regulations.
• Support internal and external audits relating to digital credit.
• Ensure proper documentation and audit trails for automated decisions.
• Monitor adherence to responsible digital lending practices.

Stakeholder Management

• Partner with Personal, Enterprise & Commercial Banking, Business Solutions, Innovation Teams, BT & Data Analytics Teams, and Collections & Recoveries.
• Provide risk input during product design and digital journey development.
• Act as the primary credit risk advisor for digital lending initiatives.

Systems & Process Governance

• Ensure proper configuration and ongoing optimization of the Loan Origination System (LOS), decision engines, credit bureau integrations, and fraud controls.
• Drive automation of credit processes while maintaining strong controls.
• Identify and close process gaps and control weaknesses.

Reporting & Management Information

• Produce high-quality dashboards and risk reports covering portfolio quality, approval trends, scorecard performance, and vintage analysis.
• Present insights and recommendations to the Credit Review Committee
• Maintain data integrity for digital lending reporting.

Financial Responsibility:

• Recommend policy changes to Credit Risk Committees.
• Escalate material risk issues promptly.

Education & Requirements

Education:

• Bachelor's degree in Finance, Statistics, Economics, Actuarial Science, Data Science, Business, or a related field.
• Relevant certifications are an added advantage.
• Deep 360-degree knowledge of Financial Technology and Banking Products

Additional Details

• At least 5 years' experience in digital lending, financial services, or a related field involving the development of credit/lending services.
• Proven experience in retail micro lending, digital/instant credit, SME unsecured lending, and portfolio analytics.
• Strong analytical and problem-solving skills, with the ability to assess credit risk, interpret complex data, and make data-driven decisions.
• Proficiency in digital lending platforms, financial software, and data analysis tools such as SQL, Excel (advanced), Power BI/Tableau, and Python (advantage).
• Good understanding of financial regulations and compliance requirements related to credit in general and digital lending in particular.

Business Behaviors:

• Excellent written and verbal communication, with the ability to convey complex information to different stakeholders clearly and concisely.
• Strong attention to detail.
• Commercial and risk balance mindset.

• Monitor and manage the performance of digital lending portfolios (personal micro loans, overdrafts, and unsecured digital SME products).
• Track key portfolio metrics including PAR, NPL, roll rates, vintage curves, early warning signals, and write-offs.
• Recommend and implement portfolio optimization strategies to maintain asset quality within risk appetite.
• Conduct periodic portfolio reviews and deep dives by segment, channel, and product.
• Drive risk-based limit management and exposure controls.
• Develop, review, and continuously enhance digital lending credit policies and risk acceptance criteria.
• Design and maintain decision rules and scorecard cut-offs.
• Ensure alignment between risk appetite, pricing, and underwriting standards.
• Approve exceptions within delegated authority and recommend higher-level approvals where required.
• Oversee the validation and recalibration of credit scoring models for digital products.
• Use data analytics to improve approval rates while maintaining portfolio quality.
• Drive use of alternative data (telco, mobile money, behavioral data) where permissible.
• Establish and maintain early warning indicators for digital portfolios.
• Monitor first payment default (FPD), early delinquency, and forward-roll trends.
• Trigger and coordinate remedial actions for deteriorating segments.
• Work closely with Collections to optimize cure rates and recovery strategies.
• Prepare monthly portfolio risk reports for senior management and risk committees.
• Ensure full compliance with Bank of Uganda (BoU) credit guidelines, IFRS 9 impairment requirements, consumer protection standards, and data privacy and digital lending regulations.
• Support internal and external audits relating to digital credit.
• Ensure proper documentation and audit trails for automated decisions.
• Monitor adherence to responsible digital lending practices.
• Partner with Personal, Enterprise & Commercial Banking, Business Solutions, Innovation Teams, BT & Data Analytics Teams, and Collections & Recoveries.
• Provide risk input during product design and digital journey development.
• Act as the primary credit risk advisor for digital lending initiatives.
• Ensure proper configuration and ongoing optimization of the Loan Origination System (LOS), decision engines, credit bureau integrations, and fraud controls.
• Drive automation of credit processes while maintaining strong controls.
• Identify and close process gaps and control weaknesses.
• Produce high-quality dashboards and risk reports covering portfolio quality, approval trends, scorecard performance, and vintage analysis.
• Present insights and recommendations to the Credit Review Committee
• Maintain data integrity for digital lending reporting.
• Recommend policy changes to Credit Risk Committees.
• Escalate material risk issues promptly.

• Strong analytical and problem-solving skills
• Ability to assess credit risk
• Ability to interpret complex data
• Ability to make data-driven decisions
• Proficiency in digital lending platforms
• Proficiency in financial software
• Proficiency in data analysis tools such as SQL, Excel (advanced), Power BI/Tableau, and Python (advantage)
• Good understanding of financial regulations and compliance requirements related to credit and digital lending
• Excellent written and verbal communication
• Ability to convey complex information to different stakeholders clearly and concisely
• Strong attention to detail
• Commercial and risk balance mindset

• Bachelor's degree in Finance, Statistics, Economics, Actuarial Science, Data Science, Business, or a related field.
• Relevant certifications are an added advantage.
• Deep 360-degree knowledge of Financial Technology and Banking Products
• At least 5 years' experience in digital lending, financial services, or a related field involving the development of credit/lending services.
• Proven experience in retail micro lending, digital/instant credit, SME unsecured lending, and portfolio analytics.