Analyze operational performance data, identifying trends, patterns, and opportunities for improvement in credit risk, collections, and sales strategies.
Create detailed reports on key operational metrics, including delinquency rates, recovery rates, sales cycle times, lead conversion rates, etc.
Develop dashboards to track operational KPIs and help teams monitor performance against targets.
Balanced Scorecard & KPI Monitoring
Gather, analyze, and monitor KPI data relevant to operations and support teams to ensure timely and accurate scorecard reporting.
oIdentify trends, patterns, and areas needing improvement in KPI performance.
Assist in the regular review of departmental and individual KPIs, providing insights to the Business Development Supervisor and Corporate Planning Manager.
Prepare reports and presentations on balanced scorecard metrics, highlighting areas that meet, exceed, or fall short of established targets.
Propose enhancements to scorecard metrics and KPIs based on data insights and operational feedback.
Collaborate with team members to recommend adjustments to processes or strategies that can improve KPI performance and communicate updates with the Business Development Supervisor regarding scorecard metrics.
Engage with relevant departments to gather accurate data and clarify any questions regarding KPIs or scorecard metrics.
Strategic Planning & Forecasting
Collaborate with the Corporate Planning Manager and Operations teams to support strategic planning processes, including target setting, risk assessments, and performance reviews.
Use historical data and market analysis to develop short- and long-term forecasts for loan performance, collections effectiveness, and sales growth.
Provide data insights to shape business initiatives, market expansion, and risk mitigation strategies.
Process Improvement
Identify inefficiencies in operational processes within credit, collections, and sales functions, recommending automation or workflow optimization to enhance productivity.
Work with IT and department teams to implement and optimize systems, ensuring accurate data tracking and reporting.
Streamline workflows to reduce manual work, improve customer interactions, and enhance credit and collections processes.
Operations Forecasting & Reporting
o Provide regular and ad hoc reports on sales pipeline health, credit risk exposure, and collections performance.
o Develop forecasting models to guide revenue planning, credit risk assessment, and target-setting.
o Present actionable insights to Operations leadership to drive data-driven decision-making and enhance overall operational efficiency.
Market Research & Competitor Analysis
Conduct market research to identify business opportunities, emerging trends, and potential risks posed by competitors.
Analyze competitor strategies and operational practices, providing insights to keep the company competitive.
Incorporate market insights into broader operational strategies to improve market positioning.
Compliance & Policy Adherence
Ensure that credit and collections activities align with company policies, regulatory requirements, and risk management guidelines.
Support internal audits by providing data and insights related to operations and compliance.
Recommend policy adjustments based on post-review analysis to strengthen risk management and reduce default exposure.
Collaboration & Stakeholder Engagement
Act as a liaison between Operations and Corporate Planning, ensuring operational data aligns with overall business goals.
Collaborate with Sales & Marketing, Credit & Collections, Finance, and IT departments to ensure seamless communication and data flow across functions.
Engage with department leaders to ensure reporting needs are met and guide data-driven decision-making.
Bachelors degree in Business, Finance, Economics, or a related field.
3+ years of experience in a business analyst role in the financial services or lending industry, preferably supporting credit, collections, or sales operations.
Proficiency in data analysis tools (e.g., Excel, Tableau, Power BI) and CRM systems.
Strong analytical and problem-solving skills, with the ability to derive clear insights from complex data.
Experience with process improvement, forecasting, and KPI tracking for credit, collections, or sales.
Excellent communication skills with the ability to present complex data insights to stakeholders
