JOB- Product-Portfolio Manager at Credit Direct Limited

We are recruiting to fill the position below:

Job Title: Product-Portfolio Manager

Location: Ikeja, Lagos
Employment Type: Full-time

Job Summary

• We are looking for an experienced Product-Portfolio Manager who is passionate about building products and managing portfolios that customers love and deliver the CDL’s vision and strategy.
• You will join a dynamic and fast-paced environment and work with cross-functional teams to design, build good quality loan portfolio, roll out products, manage relationships and stakeholders (Internal & External) and generate good revenue for CDL.

Job Responsibilities
Cognitive Risk and Portfolio Management:

• Designing and implementing and overall risk management processes for the organization which includes and analyses of the financial impact of risk on the company per product
• Monitor and evaluate performance indicators of the portfolio and study the trends for business growth, product acceptance, product cycle stage, and risk levels
• Collaborate in the development of policy and process guidelines for new products or commercial initiatives
• Lead the design and implementation of Credit, Collection and fraud scoring tools
• Performing ad-hoc analytics to dig into and research credit trends

• Evaluating how changes in the macroeconomic environment (including competitor trends) impact the performance of credit portfolios
• Creating Outside-In views of consumer credit including partnerships with Credit Bureaus for Credit information behaviour
• Portfolio performance tracking and analysis
• Review Risk reports developed by Risk analyst, analyze and advise Management on Risk perceptions and recommended options to mitigate risks
• Analyze the Risk Management Reports (Net flow / trend analysis, vintage analysis, first payment defaults, and was/is analysis)
• Conduct on-going review and analysis of the credit portfolio to determine delinquency patterns and recommend appropriate action

Customer Profiling:

• Provide analysis and risk recommendations through customer profiling and Segmentation.
• Responsible for all customer risk-based segment group research including extracting customer data and analyzing profiles to determine segment requirements.
• Responsible for analysis of portfolio trends, concerning credit score cut-offs, loss trends, portfolio dynamics, and scoring criteria.

Requirements

• Bachelor’s Degree in Business, Finance, Investment or a related field preferred.
• Proven work experience as a Portfolio Manager or similar role.
• Strong understanding of sales strategies and risk management.
• Strong analytical and problem-solving skills.
• Excellence in communicating complex technical topics to both technical and C-level audiences in compelling, innovative, and informative ways while working with cross-functional, geographically dispersed teams.
• Strong content and messaging skills including building pitch decks, executive briefing materials, blog creation, public speaking, and other forms of content creation and delivery.
• Ability to deal with ambiguity, create clarity, inspire confidence, own outcomes, and work well in a team.
• Ability to effectively lead and build relationships at all levels of the organization.

Benefits
What We Offer:

• A competitive base salary with fast, results-driven raises
• Employee Development
• A vibrant culture and great work ambience
• A fast paced, high performing team
• Innovative and equitable compensation
• Comprehensive Health Insurance

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should:
Click here to apply online

About the Hiring Process
Our hiring process is set up to adapt to the needs of the individuals. In general, you can expect:

• A short HR video call.
• Subsequent calls with other management members or team leads.
• An in-depth call with the hiring manager.
• Given the level of this role, a face-to-face interview(s) will likely occur near the end.
• We respect your time and aim to move as quickly as possible.