Digital and SME Lending Specialist
2025-05-14T10:23:36+00:00
Zambia National Commercial Bank Plc
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https://www.zanaco.co.zm/
FULL_TIME
Lusaka
Lusaka
10101
Zambia
Banking
Management
2025-05-28T17:00:00+00:00
Zambia
8
Reference Number
HCBP09052025
Description
JOB PURPOSE
The role is responsible for designing and evaluating credit risk models that work in prediction and scoring customers based on their financial behaviors. The role holder will use data available from both internal and external sources to build fraud and credit models to make real-time decisions.
Under the supervision of the Digital & SME Lending Head, the following are among the Job Key Responsibilities:
- Understand and build trends and patterns from unstructured and structured data to identify good and bad borrowers.
- Identify patterns of fraudulent behavior and build credit models to detect and prevent these behaviors.
- Propose product and credit policy changes to improve company profitability.
- Monitor and circulate digital loans portfolio analysis to identify trends, lead weekly digital lending steering committee meetings to share updates and analysis.
- Develop statistical models to assist in pricing and user segmentation.
- Any other responsibilities as may be assigned by management.
- Actively participate in the preparation and conduction of the digital lending portfolio quality review meetings
- Manage the relationship between mobile network operators and the bank to ensure the product is running smoothly.
- Ensure adherence to IFRS9 and Bank of Zambia provisioning frameworks.
- Develop and implement strategies to attract customers and promote digital lending products and services.
- Manage seamless end-to-end loan application processes, from initial inquiry to disbursement, ensuring efficiency and accuracy.
- Collaborate with internal stakeholders, including digital team, legal, and compliance, to facilitate smooth operations of the product.
- Utilize digital platforms and fintech solutions to streamline loan origination and servicing processes.
- Monitor loan performance and conduct periodic reviews to mitigate credit risks.
- Stay updated on industry trends, regulatory changes, and competitor activities to identify opportunities and risks.
INTERNAL/EXTERNAL CONTACT
- External: Bank of Zambia, MNOs, Transunion (Credit Reference Bureau), External Auditors, Service Providers
- Internal: All internal Business Units
Requirements
QUALIFICATIONS AND EXPERIENCE
- Grade 12 Certificate with Credit or above mandatory in Mathematics and English and any other three subjects
- University degree or equivalent professional qualification in fields relating to Economics, Computer Science, Engineering or Accounting
- Zambia Qualifications Authority (Zaqa) Verification Certificate for Tertiary Qualifications
- At least 4 years’ related work experience in the banking sector. Added advantage if its credit related
- Knowledge of banking and financial sector
- Knowledge of digital technology trends, credit and portfolio management
- Awareness of legislation
- Good presentation and communications skills
JOB CORE COMPETENCIES
- Analytical skills
- Attention to detail
- Organizing skills
- Team work
- Drive for results
- Communication skills
Assists in identifying and evaluating the organization’s IT risk areas and provides input to the development of the Annual Audit Plan. Assigning audit guide sections or program steps to be performed by the staff member(s) assigned. Performs audit procedures, including identifying and defining issues, developing criteria, reviewing and analyzing evidence, and documenting client processes and procedures. Conducts interviews, reviews documents, develops and administers surveys, composes summary memos, and prepares working papers. Conduct data extraction, analysis and security reviews utilizing appropriate tools. Support audit and consulting engagements related to IT systems, processes, governance and security. Assesses information technology control elements to mitigate IT risks regarding the confidentiality, integrity, and availability of business information. Assisting in providing training, coaching, and guidance to internal audit staff in conducting audits and on other audit-related issues Evaluating the efforts of the staff member(s) assigned. Maintaining appropriate working relationships with bank staff and internal audit staff. Identifies, develops, and documents audit issues and recommendations using independent judgment concerning areas being reviewed. Monitoring the day-to-day progress on work assigned. Reviewing audit work papers prepared by the staff member (s) assigned to ensure satisfactory completion and initialing to evidence the review. Preparing personnel evaluation forms as required/requested Communicating audit findings to management throughout the engagement and keeping the Internal Audit Preparing the draft audit report, seeing that all findings are adequately supported, and determining those findings to be included in the report or those to be handled as minor findings. Presenting and communicating audit findings at the audit review meeting. Follow-up audit recommendations in order to verify that corrective actions are implemented to address concerns raised. Pursues professional development opportunities, including external and internal training and professional association memberships, and sharing information gained with co-workers. Keep abreast and follow latest developments in the internal audit function, particularly in the area of IT audit techniques. Develop, improve and implement internal audit processes, procedures, methodologies and working tools for conducting IT audit risk management and control activities. Maintain an up-to-date understanding of the Bank’s products, processes and procedures with special focus on IT emerging risks. Assist with providing internal control subject matter expertise for new projects, policies, procedures, or tools being implemented. Performing other work as assigned by audit management
Grade 12 Certificate with Credit or above mandatory in Mathematics and English and any other three subjects Bachelor’s Degree in a relevant field Zambia Qualifications Authority (Zaqa) Verification Certificate for Tertiary Qualifications Minimum of five (5) years working experience in a similar role. Experience in analysing financials and cash flow projections with proficiency in excel Experience in preparation of credit packs, i.e board credit packs knowledge in financial analysis, excel, word, Moody’s CreditLens
Grade 12 Certificate with Credit or above mandatory in Mathematics and English and any other three subjects Bachelor’s Degree in a relevant field Zambia Qualifications Authority (Zaqa) Verification Certificate for Tertiary Qualifications Minimum of five (5) years working experience in a similar role. Experience in analysing financials and cash flow projections with proficiency in excel Experience in preparation of credit packs, i.e board credit packs knowledge in financial analysis, excel, word, Moody’s CreditLens
JOB-68246f28ac3e2
Vacancy title:
Digital and SME Lending Specialist
[Type: FULL_TIME, Industry: Banking, Category: Management]
Jobs at:
Zambia National Commercial Bank Plc
Deadline of this Job:
Wednesday, May 28 2025
Duty Station:
Lusaka | Lusaka | Zambia
Summary
Date Posted: Wednesday, May 14 2025, Base Salary: Not Disclosed
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JOB DETAILS:
Reference Number
HCBP09052025
Description
JOB PURPOSE
The role is responsible for designing and evaluating credit risk models that work in prediction and scoring customers based on their financial behaviors. The role holder will use data available from both internal and external sources to build fraud and credit models to make real-time decisions.
Under the supervision of the Digital & SME Lending Head, the following are among the Job Key Responsibilities:
- Understand and build trends and patterns from unstructured and structured data to identify good and bad borrowers.
- Identify patterns of fraudulent behavior and build credit models to detect and prevent these behaviors.
- Propose product and credit policy changes to improve company profitability.
- Monitor and circulate digital loans portfolio analysis to identify trends, lead weekly digital lending steering committee meetings to share updates and analysis.
- Develop statistical models to assist in pricing and user segmentation.
- Any other responsibilities as may be assigned by management.
- Actively participate in the preparation and conduction of the digital lending portfolio quality review meetings
- Manage the relationship between mobile network operators and the bank to ensure the product is running smoothly.
- Ensure adherence to IFRS9 and Bank of Zambia provisioning frameworks.
- Develop and implement strategies to attract customers and promote digital lending products and services.
- Manage seamless end-to-end loan application processes, from initial inquiry to disbursement, ensuring efficiency and accuracy.
- Collaborate with internal stakeholders, including digital team, legal, and compliance, to facilitate smooth operations of the product.
- Utilize digital platforms and fintech solutions to streamline loan origination and servicing processes.
- Monitor loan performance and conduct periodic reviews to mitigate credit risks.
- Stay updated on industry trends, regulatory changes, and competitor activities to identify opportunities and risks.
INTERNAL/EXTERNAL CONTACT
- External: Bank of Zambia, MNOs, Transunion (Credit Reference Bureau), External Auditors, Service Providers
- Internal: All internal Business Units
Requirements
QUALIFICATIONS AND EXPERIENCE
- Grade 12 Certificate with Credit or above mandatory in Mathematics and English and any other three subjects
- University degree or equivalent professional qualification in fields relating to Economics, Computer Science, Engineering or Accounting
- Zambia Qualifications Authority (Zaqa) Verification Certificate for Tertiary Qualifications
- At least 4 years’ related work experience in the banking sector. Added advantage if its credit related
- Knowledge of banking and financial sector
- Knowledge of digital technology trends, credit and portfolio management
- Awareness of legislation
- Good presentation and communications skills
JOB CORE COMPETENCIES
- Analytical skills
- Attention to detail
- Organizing skills
- Team work
- Drive for results
- Communication skills
Work Hours: 8
Experience in Months: 48
Level of Education: bachelor degree
Job application procedure
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