Credit Risk Collections Analyst

**Overall Purpose of the Role**:
The Credit Risk Collections Analyst position at Tyme Capital is pivotal in monitoring and

evaluating the performance of the Small and Medium Enterprise (SME) portfolio. This role

is centered on devising and implementing data-centric strategies to diminish credit risk

and enhance the efficacy of our collections processes. The analyst will work closely with

the Data Science Manager and the Head of Collections to guarantee the highest standard

of risk management throughout the SME portfolio. This is an office-based role that offers

**Experience and Skills Required**:
Experience and Skills Required:

- Proven track record of improving collections outcomes and operational efficiencies
- Experience with collections and recovery strategies is essential.
- Hands-on experience in data analytics, statistical modelling, and risk scoring.
- Proficiency in data analysis tools (e.g., SQL, R, Python).
- Experience with data visualization tools (e.g., Tableau, Power BI).
- Strong Excel skills for financial modelling and analysis.
- In-depth knowledge of credit bureau data, scoring methods, and financial

regulations related to collections.
- Proven track record of improving collections outcomes and operational efficiencies.
- Strong analytical skills with the ability to interpret complex data and translate

findings into actionable strategies.
- Excellent communication skills to present findings and recommendations clearly to

both technical and non-technical audiences.
- Strong problem-solving abilities and a proactive approach to risk mitigation.
- Ability to work collaboratively with cross-functional teams, balancing data-driven

insights with operational requirements.
- Analytical mindset with strong financial acumen.
- Effective communicator with the ability to influence decision-making.
- Team player who can collaborate effectively with both technical and operational

teams.
- Strong organizational skills and ability to manage multiple projects simultaneously.

**Qualification/s**:

- Bachelor's degree in finance, Economics, Data Science, Statistics, Business,

Operational research or a related field.
- Master's degree in a relevant field or professional certifications is a plus.
- 3-5 years of experience in credit risk collections management, preferably within the

SME sector.

**Responsibilities**:

- Conduct thorough analysis of the SME portfolio to identify potential risks and trends.
- Develop and implement collection strategies based on data-driven insights to

minimize delinquency and improve recovery rates.
- Monitor execution and performance of strategies and ensure that strategies are

amended and kept up to date.
- Develop and maintain predictive models for collections to identify early warning

signs and take preventative measures.
- Regularly monitor the SME portfolio performance, identifying risk triggers,

delinquency trends, and opportunities for improvement.
- Provide actionable insights and recommendations to the Data Science and

Operational Collections teams to mitigate risks.
- Develop and maintain dashboards and reports to track key performance metrics

(KPIs), delinquency, and recovery rates.
- Analyse large datasets using statistical methods to inform credit risk and collections

strategies.
- Collaborate with the Data Science Manager to improve the accuracy and predictive

power of credit risk models.
- Support the Collections team by providing data-driven insights for operational

decision-making.
- Prepare and present detailed reports for senior management, summarizing findings

and recommendations.
- Work closely with the Head of Collections to ensure that data insights are translated

into effective collections strategies.
- Support the implementation of risk-based collections practices, including

segmentation of customers and prioritization of collection efforts.
- Provide data support for operational campaigns, customer segmentation, and

performance monitoring of collection agents.
- Monitor and evaluate the effectiveness of collection strategies, making data-driven

recommendations for continuous improvement.
- Help design and implement policies and procedures that reduce the exposure to

credit risk.
- Identify early warning signs of credit deterioration in SMEs and proactively engage

in pre-collections strategies.
- Ensure compliance with internal risk policies and external regulatory requirements.
- Collaborate with legal and compliance teams to ensure collections activities are

conducted within regulatory frameworks.

Be part of shaping the future of SME credit risk at TymeBank