Job Purpose

The Credit Data Analytics and Systems Officer will support the Credit function by managing and optimizing credit-related systems and delivering high-quality credit analytics. The role will ensure the integrity, accuracy, automation, and availability of credit data across lending systems, enabling improved loan processing, portfolio monitoring, risk management, and collections performance. 

Key Responsibilities

• Credit Systems Administration, MIS and Portfolio Analytics:
• Serve as the primary administrator and technical support lead for FIYMA credit systems, including the core banking loan module and collections tools.
• Configure and maintain FIYMA loan products and credit parameters in the system (interest rates, repayment terms, fees, penalties, arrears computations, and credit limits).
• Administer and monitor credit workflow controls to ensure compliance with SACCO lending policy (maker–checker rules, approval hierarchies, exception approvals, user roles and limits).
• Support continuous system improvement through credit-related upgrades, patch testing, UAT coordination, deployment, and rollout of enhancements.
• Develop, automate, and maintain Credit MIS dashboards and reporting packs (daily, weekly, and monthly).
• Generate and analyze portfolio performance reports including disbursements, arrears ageing buckets, PAR/NPL trends, write-offs, recoveries, and collections performance.
• Produce segmented portfolio analytics by client, product, and credit officer performance to support management decisions.
• Ensure reporting accuracy through routine validation, reconciliations, and resolution of credit MIS data gaps and inconsistencies.
• Provide timely credit portfolio risk alerts and insights on emerging trends and deteriorating segments.
• Support collections workflows within the system: reminders, arrears aging and recovery actions.
• Create collections performance dashboards and ranking reports.
• Support integration of alternative collections tools (SMS platforms, dialers) if available.
• Support capacity building for SACCOs/credit teams through system guidance, reporting interpretation, and ongoing user support.
• Credit Data Management, Integrity & Reporting:
• Enforce credit data quality standards across the department (accuracy, completeness, consistency, timeliness).
• Develop and maintain a centralized credit data management system covering the full loan lifecycle (borrowers/financial partners, applications, approvals, disbursements, repayments, portfolio performance).
• Ensure standardized data definitions, structures, tools, templates, and reporting formats are applied consistently across all financial partners.
• Integrate credit data from financial partners’ core banking systems, loan management platforms, and programme monitoring tools.
• Maintain comprehensive participant/borrower-level datasets, including profiles, value chains, geographical distribution, MSME characteristics, and loan utilization.
• Track outreach and inclusion metrics aligned to programme targets (young women and men, including PWDs and refugees).
• Conduct routine reconciliations to ensure data integrity and alignment across systems, including:
• loan schedules vs collections
• system loan balances vs Finance GL
• disbursement records vs approvals
• Detect, investigate, and resolve data exceptions and inconsistencies (duplicate loans, incorrect repayment schedules, misapplied penalties/charges, inconsistent borrower/member records).
• Develop and maintain automated dashboards and reports on loan fund performance, outreach, and inclusion indicators.
• Produce periodic reports aligned to FIYMA performance measurement and reporting frameworks.
• Support development of evidence-based narratives, tables, and annexes for donor and stakeholder reporting.
• Ensure secure data storage, controlled access, and compliance with data protection, privacy, and confidentiality requirements.

Knowledge, Experience & Skills

• At least 2 years’ experience supporting credit operations through: data analytics/reporting; lending systems/core banking support; collections tools, ideally in a SACCO, MFI or bank.
• Advanced knowledge and skills in data analytical and visualization tools such as STATA, R, Power BI, Tableau etc.
• Strong Analytical skills and ability to convert data into actionable insights for data driven decision making.
• Experience designing data collection templates, dashboards, or reporting tools is highly desirable.
• Excellent communication and report-writing skills; ability to train and mentor staff and partners.
• Core banking system exposure (loan module).
• Strong Excel (advanced reporting & automation).
• SQL (queries, joins, stored extracts).
• Power BI/Tableau dashboards.
• Understanding of SACCO lending and collections processes.