Portfolio Analyst

Job Purpose

The Portfolio Analytics team ensures a highquality lending portfolio with a large focus on acquisition. The role is central to maintaining the organisations risk at optimal levels while enabling business teams to grow Assets Under Management (AUM) without compromising portfolio quality. The function is highly datadrivenfocused on diagnosing risk and business challenges, proposing analytical solutions, and aligning strategies with the companys Annual Operating Plan (AOP) to optimise both risk and profitability.

Key Responsibilities

Portfolio Monitoring & Insights

• Track and evaluate portfolio performance across risk, credit, and business dimensions through deepdive cuts and analytical dashboards.
• Generate proactive insights beyond standard MIS to detect emerging trends, opportunities, and risks.

Diagnostics & Problem Solving

• Conduct rootcause analyses for positive or adverse portfolio movements.
• Deliver clear, actionable insights to improve acquisition quality, portfolio health, and business outcomes.

Strategy Development

• Identify highvalue segments and cohorts to refine credit policies, enhance underwriting strategies, or support scorecard development.
• Collaborate closely with senior stakeholders across Risk, Credit, and Business to develop robust, databacked solution strategies.

Process Improvement

• Continuously assess and optimise existing analytics workflows and crossfunctional processes.
• Improve operational efficiency while supporting scalability and cost optimisation for internal teams.