Portfolio Analyst 99 views

Kifiya is an AI-powered ecosystem technology company specializing in intelligent data-driven decisioning, financial services, digital agriculture, and smart mobility infrastructure solutions. For over a decade, we have built robust technological infrastructures and implemented transformative initiatives that address market failures.

We empower MSMEs, smallholder farmers, and low- to middle-income consumers by providing access to financial services and markets. Kifiya is scaling its technology infrastructure to create a more inclusive and sustainable future in Africa.

Over the past 14 years, Kifiya has grown from a startup into a leader in digital financial services and AI-driven technology, showcasing the power of data and innovation to drive meaningful change.

Job Summary:

The portfolio analyst will Make sure credit risk interventions minimize provisions, maximize profits by reducing NPL (Non-Performing Loans), and strengthening credit products by portfolio management. This is a green-field start-up role in a new department that is still under development. It demands capable personalities of high integrity, strong work ethic, intelligent problem solvers, and respectful communicators who don’t wash away challenges.

Key Responsibilities:

Credit Risk Management and Analysis

• Preparation of monthly PFI/Bank portfolio reports
• Conduct periodic stress tests on PFI specific and/or Product specific assigned portfolio
• Monitor week on week trends of NPL assets and credit risk concerns.
• Monitor trends of Non-performing loans and provide portfolio insight to business on
• causes of NPL growth for use by business in the improvement of product programs.
• Follow through actions agreed between credit and business to ensure credit risk concerns are duly
• addressed.
• Maintain NPL-related TAT statistics for CRM to track compliance
• Monitor KPI/SLA targets internal to Kifiya or specific to Fund Partners specific to NPL and Guarantees

Sectoral Knowledge and Advocacy

• Teach and coach above team peers on Kifiya Credit Risk Management and basically educate on Kifiya portfolio internally

Technical Assistance and Support to Partner Financial Institutions

• Support TA to PFIs involved in MSME lending, mainly on the NPL portfolio management
• Review TA materials from Program and Business for update with Kifiya Credit Risk priorities and recent changes

Leadership and Collaboration

• Support collection teams, both Kifiya internals and PFI’s
• Guide partner A.I., Data, Tech & Product team peers on credit risk change requests and work tickets

Reports to: Risk and Compliance Manager

Qualifications & Experience

Education:

• Degree in Business Administration, or a related field (A plus for A.I., Data Analytics/Visualization certifications)

Experience:

• 5 years’ portfolio lending experience with at least 3 years covering debt analysis and credit management
• Exposure to working in Fintech or innovative finance environments
• Experience with digital lending and platform credit mechanisms
• Expertise in Nano, Micro, Small, and Medium Enterprise Lending, especially unsecured loans
• In-depth knowledge of Early Loans cycle, portfolio management, Non-Performing Loans and Debt Recovery/Collections. Familiarity with inclusive finance and lending targeted to credit-excluded demographics
• Strong knowledge of National Bank of Ethiopia regulatory framework & Strong knowledge of Sharia compliant lending
• Strong understanding of AI-based credit scoring models and their application in risk assessment
• Capable TAT Trainer who can design & cascade Credit Risk content, and curate Lending TA (Technical Assistance) material to PFIs
• Proficiency in IT with exceptional analytical skills for portfolio analysis and risk evaluation. Ability to analyze information and report on performance of a credit portfolio

Skills:

• Self-starter with excellent organizational and task-closure skills. Results-driven mindset with a proactive approach to problem-solving
• Adaptive learner, able to work from big-picture to detail-orientation. Confident communicator able to articulate issues coherently