NCBA Group Business Banking Score Card Analyst Jobs in Kenya

NCBA Group Business Banking Score Card Analyst Jobs in Kenya

Division/Department: Retail Banking

Reports to: Head of Retail Credit Analysis

Unit: Retail Credit Analysis

Reports to: Head of Retail Credit

Unit: Retail Credit Analysis

Department: Retail Banking

Grade: Band 4

Closing Date: 25th September 2022

Job Purpose Statement

To achieve business growth in Retail banking through review, development, testing and
performance of scoring models contributing to the development of the Retail Credit Analysis
strategy, translating the strategy into performance that will deliver revenue, profitability and share of market objectives.

The role will focus on:

  • Development, review and refining of score cards with an aim to achieve risk based pricing
    for Business Banking Customers

  • Testing of score cards and data analysis to review performance

  • Integration of scorecards into the existing bank systems

  • Collecting and evaluating information to determine the potential risks of certain events
    and their financial impact on businesses or individuals within Business Banking.

  • Using computer programs to compile and analyze data and create models, graphs, tables, and reports that display findings.

  • Ensure the Bank’s E-Credit systems are in use and are running well

  • Preparing reports

    Key Accountabilities (Duties and Responsibilities)


  • Developing and refining strategies that minimize risk and costs to others.

  • Monitoring of scorecards and Digital business lending framework as per Credit Policy to maximize the benefits to the business unit.

  • Periodically review and monitor performance of digital loan products to enhance productivity and maintain risk thresholds.

  • Provide forward-thinking recommendations to the business by building in depth understanding of the problem domain and available business data
    assets, especially those pertaining to strategic initiatives and value-based programs

    Internal Business Process

  • Examine current and new business procedures relating to scoring models.

  • Identify effective solutions for business software system issues by assessing Business Banking loan performance, information, and trends and conducting regular tests and analysis.

  • Monitor credit systems status and report any progress or changes.

  • Validation and reporting on pre-qualified e-credit limits weekly

  • Monitor and Identify daily lending exceptions on all E-credit products

  • Manage resolution of all identified exceptions

  • Quarterly review of lending rules, models and scorecards

  • Research and estimate the costs of upgrades and improvements through performing requirements analysis, establish specifications for new projects by developing project goals, phases, and budgets.

  • Build econometric and statistical models for various problems inclusive of projections, classification, clustering, pattern analysis, sampling and simulations

  • Build the foundation of state-of-the-art scientific and technical capabilities within the Retail Analysis Department in order to support several planned and ongoing credit scoring projects.

  • Generate actionable insights through data mining

  • Review and recommend improvements in the Bank statement analyzer model

    Active and Productive Engagement with Stakeholders

  • Collaborate with all relevant stakeholders in an effort to improve decision making and drive business performance

  • Processing of delinquency reports in a timely manner for monitoring of quality and growth of loan book by business and credit stakeholders:
    Weekly and monthly performance reports

  • Evaluating business processes, anticipating requirements, uncovering areas for improvement, and developing and implementing solutions.

  • Conducting strategic meetings and presentations to share ideas and findings

  • Leading ongoing reviews of business processes and developing optimization strategies in the scoring arena.

  • Staying up-to-date on the latest process and IT advancements to automate and modernize systems relating to credit appraisal and analysis.

  • Working closely with clients, technicians, and managerial staff while gathering critical information from meetings with various stakeholders and producing useful reports.

  • Ensuring solutions meet business needs and requirements.

  • Performing user acceptance testing and training end-users on new reports and dashboards.

  • Managing scoring projects, developing project plans, and monitoring performance.

  • Bi-weekly TransUnion engagement on delivering on NCBA Bank requirements for the Bundled Solution pricing, trended view report and other appropriate business solutions.

    Reporting Relationships

    Direct Reports: 0

    Indirect Reports: 0

    Stakeholder Management


  • Retail Analytics

  • Credit Risk

  • Credit Operations

  • Audit and Compliance

  • BRM

  • Relationship Management Teams

  • Trade Finance

  • IT and operations

  • Leasing LLP


  • Transunion

  • Service providers

  • Bank statement analyzer providers

  • Consultants

    Stakeholder Management

  • Finance and Administration

    Ideal Job Specifications


  • Bachelor’s degree in Statistics, Actuarial Science, Data Science, Mathematics, Computer
    Science, Machine Learning, Economics, or any other related quantitative field.


  • Big Data or Data Science certification from recognized institutions

  • Credit Management Or Analysis qualification


    Desired Work Experience

  • At least 3 years of working experience working with business analysis/informatics and
    business outcomes research within a fast-paced and complex business setting,

  • Experience working with scoring models.

  • Experience and in-depth knowledge of big data platforms

    NCBA Bank Core Value Behaviours (Performance Drivers)

  • Driven: - We are passionate, make bold decisions and learn from our failures. We seek new
    challenges and appreciate different views constantly raising the bar. We explore our full

  • Open: - Our interactions are candid, honest and transparent. We listen to each other and our
    clients. We are inclusive and always respect each other.

  • Responsive: - We are proactive, act quickly and resolutely to deliver results. We put our
    customer’s interests at the heart of all that we do. We keep it simple and seek new ways to

  • Trusted: - As a trusted partner we do what is morally right always. We keep our word. We are
    accountable and believe in each other.

    Ideal Job Competencies

    Technical Competencies

  • Numeracy and analytical skills

  • Proficiency in computer software and modeling programs.

  • Demonstrate a passion for research, statistics, and data analysis as well as a demonstrated ability and passion for designing and
    implementing successful scoring and data analysis solutions within a business.

  • Strong understanding of data-mining techniques and an ability to apply these techniques in practical real-world business issues.

  • Demonstrate an ability to consider data, identify patterns, issues, or data analysis needs for the business

  • Demonstrate strong skill in statistical techniques inclusive of cluster analysis test design, regressions, and forecasting methodologies as well as substantial familiarity in big data and standardizing and A/B testing.

    Industry Knowledge

  • Exposure to diverse players, across multiple channels and platforms.

  • Shares insights on industry trends; identifies opportunities that can be exploited and concerns to be avoided / mitigated against.

  • Familiarity with specific industries, such as finance or insurance, may be beneficial.

    Behavioural Competencies

  • Communication Skills:

    The score card analyst will be required to explain advanced statistical content to relevant

    Have the ability to translate and tailor this technical content into business applicable material with clear recommendations and insights relevant to the audience at hand.

  • Interpersonal Skills:

    Ability to work effectively in a group/ collaborative setting, be result oriented, be highly analytical, be a strategic and creative thinker, have superior organizational skills, have a strong attention to details, have an ability to work on multiple projects and meet tight deadlines, have exceptional problem solving skills, and remain calm and composed in times of stress and uncertainty.

  • People Skills: people person, demonstrating an ability to create and maintain strong,
    meaningful, and lasting relationships with others.

    He must also be a confident but friendly and
    approachable individual who will inspire confidence and trust in his seniors and key stakeholders

    Key Success Factors

  • Communication (verbal, written) skills

  • Planning and organisation skills

  • Team-player

  • Proactiveness

    How to Apply

    For more information and job application details, see: NCBA Group Business Banking Score Card Analyst Jobs in Kenya

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