Business Intelligence Manager

Department: Customer Finance
Location: Zambia
Reporting line: Head of Customer Finance
Grade: HL16

Job Overview

The Business Intelligence Manager is fundamental to the successful implementation of the Customer Finance Strategy with regards to efficient data gathering, processing and information reporting. S/he is integral to the development and execution of EEA Zambia business strategy, particularly around its Customer Finance proposition. With the use of analytical channels, S/he will provide data-driven insights that shape the overall credit strategy. The role will work towards ensuring a balance between technical capability and business understanding to identify opportunities and find solutions. The role reports into the EEA Zambia Head of Customer Finance, S/he will work cross-functionally with commercial, operations, and field teams on the ground.

Job Description

Data Analytics

  • Responsible for quantitative data analysis, reporting daily, weekly, and monthly departmental statistical figures to support the business.
  • Accountable for implementation the continuous improvement reporting process supporting CF Operations, Collections, Field activities and overall Credit Risk strategies.
  • With Analytics, support the Business with better access to the data/information they need to effectively manage the credit cycle.
  • Organizing the dashboards/ data for the Field team in a more coherent way to make it easier to search and find data.
  • Regular Deep dive analyses into our extensive data collections to improve different parts of the credit management cycle.
  • Managing the analysis of the CF projects, communicating and documenting findings (dashboards, summaries, presentation, and regular feedback to other commercial teams for continuous improvement)
  • Participate in the analysis and evaluation of the impact of the different campaigns.
  • Prepare materials for participation in committees, meetings and training.
  • Manage country reporting catalogue and constantly add new ad hoc reports as needed.
  • Develop and constantly improve field & call center team incentive scorecards.
  • Manage costs within budget and forecasts; understand costs drivers, trends & seasonality, and monthly budget/actual/forecast variances.
  • Manage system database with respect to Customer Journey strategies (Calling Scripts, SMS Scripts, SMS Broadcast frequency etc.)

Tools and Technology

  • Champion continuous process improvements, up skill collection techniques, upgrade collection tools and optimize collections systems.
  • Lead collection agenda in country and group level system and change projects to ensure seamless transition for collection processes.
  • Making optimal use of all collection tools and using analytical and data segmentation to enhance collection efficiency.

Portfolio Management

  • Portfolio Performance dashboard design, creation, and monitoring to ensure up to date information to all key stakeholders.
  • Curate, implement & track defensive portfolio monitoring mechanisms, including early warning mechanisms and contingency plans to manage losses proactively.
  • Proposals on new indicators to help steer customer repayment behavior.
  • Appraise data quality and reliability at Customer on-boarding stage and initiate data integrity processes.

Required Skills & Experience

  • Minimum University degree in Economics, Banking, Finance, Accounting, or related field
  • 4+ years’ work experience analytics, credit support or similar, particularly in sectors like Retail financial services or any related field.
  • Ability to collaborate with cross-disciplinary, diverse teams.
  • Exceptional analytical skills and an understanding of effective technical communication and data visualization methods
  • Experience with building visualization tools for portfolio tracking and reporting.
  • Strong interpersonal skills with high degree of clarity in communication.
  • Proficiency in one or more local languages spoken by our customers is a big plus.
  • Excellent written and verbal communication in English.
  • Experience in analyzing large data sets with SQL, SAS, MS Office and/or Tableau.
  • Business acumen and commercial mind-set
  • Ability to use analytical and problem-solving skills in a customer-focused context and English.