Risk Manager (Analytics & Statistics) - MFO

Key Responsibilities:

Risk Analysis & Assessment

• Identify, analyze, and monitor credit, operational, market, and compliance risks specific to microfinance operations.

• Develop and maintain a risk register for internal controls and exposures.

Data Analytics & Statistical Modeling

• Analyze portfolio performance data to detect patterns, trends, and early warning signs of credit risk.

• Build and maintain statistical models (e.g., credit scoring, default prediction) using tools like Excel, Python, R, or SQL.

• Use descriptive and predictive analytics to guide lending decisions and risk mitigation strategies.

Credit Risk Evaluation

• Develop metrics for borrower segmentation, risk-based pricing, and probability of default.

• Recommend lending limits, approval criteria, and write-off policies based on data insights.

️ Monitoring & Reporting

• Prepare regular reports on risk exposures and trends for senior management and regulators.

• Create dashboards and visualizations (e.g., in Power BI, Tableau) to monitor portfolio quality and key risk indicators (KRIs).

Compliance & Regulatory Risk

• Ensure compliance with National Bank of Kazakhstan regulations related to risk management and capital adequacy.

• Support internal and external audit processes with data and documentation.

Stress Testing & Scenario Analysis

• Perform stress tests and "what-if" scenarios to evaluate the resilience of the MFO under adverse conditions.

• Recommend contingency plans based on outcomes.

Process Improvement

• Propose improvements to the credit underwriting and collection processes based on data-driven insights.

• Collaborate with IT and Operations to automate data flows and reduce manual risk reporting.

‍‍ Cross-functional Collaboration

• Work closely with departments such as Credit, Collections, Finance, and Legal to align risk policies with business goals.

• Train relevant staff on interpreting risk metrics and reports.