Digital Lending Specialist – Credit Risk & Portfolio Management

About the role

Reporting to the Head of Retail Credit, the Digital Lending Specialist will oversee credit risk and portfolio management for DFCU Bank’s digital lending products across retail, commercial and enterprise segments. The role ensures prudent portfolio growth, strong asset quality, regulatory compliance and data‑driven decision making.

Key responsibilities

• Monitor and manage performance of digital lending portfolios, tracking indicators such as Portfolio at Risk, NPLs, roll rates and early‑warning signals.
• Develop, review and improve digital lending credit policies, scorecards and decision rules to align with the bank’s risk appetite.
• Validate and recalibrate credit scoring models, incorporating alternative data sources like mobile‑money and telecom data.
• Prepare regular risk reports for senior management and ensure compliance with BoU guidelines, IFRS 9 and data‑privacy regulations.
• Support optimization of loan origination systems, decision engines, credit‑bureau integrations and fraud‑control systems, driving automation while maintaining strong controls.
• Collaborate with retail, commercial, enterprise, innovation and data‑analytics teams to provide risk input during product development.

Required profile

• Bachelor’s degree in Finance, Statistics, Economics, Actuarial Science, Data Science, Business or related field.
• Minimum 5 years of experience in digital lending, credit risk management or portfolio analytics, including retail micro‑lending and SME unsecured lending.
• Strong commercial and risk‑management mindset with high attention to detail.
• Excellent written and verbal communication and stakeholder‑management skills.

Required skills

• SQL
• Advanced Microsoft Excel
• Power BI or Tableau
• Python (optional)
• Knowledge of digital lending platforms, loan origination systems and decision engines
• Familiarity with credit‑bureau integrations and fraud‑control systems