Responsibilities:
Portfolio & Repayment Monitoring
Monitor post-approval portfolio performance, including repayments, grace periods, rescheduling, recoveries, collections, and defaults.
Maintain accurate case-level and portfolio-level records and reconcile information received from clients, internal teams, financial institutions, and service providers.
Identify portfolio trends, exceptions, emerging concerns, and early warning indicators, and escalate matters requiring management attention.
Coordinate client follow-up, servicing activities, site-visit information, and supporting documentation required for ongoing monitoring.
Develop and maintain portfolio watchlists, risk indicators, and early warning triggers to identify potential deterioration in borrower performance, repayment behaviour, or operational risks.
Maintain SME monitoring packs and periodic reviews, ensuring timely collection of financial, operational, and compliance information from funded businesses.
Track and monitor corrective actions and remediation plans for underperforming clients or delinquent accounts.
Performance Reporting & Analytics
Prepare periodic dashboards and reports covering expected versus actual collections, portfolio performance, application funnel metrics, turnaround times, approval outcomes, and relevant operational KPIs.
Develop and maintain reporting models, trackers, data definitions, and performance scorecards to support consistent management information.
Analyse trends, variances, concentrations, ageing, and performance drivers, and provide concise commentary for management and committee reporting.
Benchmark results against agreed targets, service levels, and relevant external or banking-partner data.
Data Quality & Reporting Controls
Perform data validation, reconciliation, and quality checks before reports are issued, documenting assumptions, sources, limitations, and adjustments.
Maintain a controlled reporting calendar and ensure the timely collection, review, and submission of recurring information.
Maintain exception logs and monitoring records documenting data gaps, missing submissions, overdue reporting requirements, and remediation actions.
Work with relevant teams to resolve data gaps, inconsistencies, and manual-process dependencies and to improve reporting reliability.
Maintain audit-ready supporting schedules, source files, approvals, and evidence for reported figures.
Stakeholder Coordination & Process Improvement
Prepare management presentations and committee materials that translate portfolio data into concise insights, key risks, and required actions.
Support recovery and collections follow-up through clear action trackers, status updates, and escalation reporting.
Identify and implement improvements to reporting processes, templates, automation opportunities, and portfolio-monitoring tools.
Monitor compliance with information-submission requirements, reporting deadlines, and portfolio-monitoring obligations, escalating overdue or incomplete information as appropriate.
Maintain action trackers, escalation logs, and portfolio review outcomes to ensure accountability and follow-up of agreed actions.
Support the design and implementation of automated monitoring, reporting, and earlywarning solutions to enhance portfolio oversight efficiency.
Required Skills:
Bachelor’s degree in finance, Accounting, Economics, Business Analytics, Data Analytics, Business Administration, or a related discipline.
Minimum of three years’ relevant experience in portfolio reporting, credit administration, loan operations, performance management, financial analysis, management information, or a related field.
Demonstrated experience preparing dashboards, management reports, reconciliations, variance analyses, and performance commentary.
Advanced proficiency in Microsoft Excel, with strong capability in reporting tools and data-visualisation platforms.
Professional qualifications or training in financial analysis, data analytics, business intelligence, accounting, or risk management are advantageous.
