• Assessment Templates: Build income assessment templates for the focused sectors within Informal economy. Pre-requisite shall be a detailed field research and study of the segments. • Model Development: Develop an intelligent and predictive income assessment and credit decisioning model to enable automated decisioning for the future. • Data Management: Have a thorough understanding of data requirements and draw up the data capture and storage requirements for analytics purposes. • Data-Driven Decisions: Manage the Business Rule Engine for credit and risk management. Designing rules, configuration, monitoring output, regular reviews and refinements shall need to be undertaken. Collaborate with cross-functional teams to support decision-making with data-driven insights. • Policy Adherence: Ensure that all credit decisions align with company credit policies, regulatory guidelines, and compliance standards. • Data Analysis: Dive deep into vast datasets to identify trends, patterns, and insights relevant to credit risk assessment. Work closely with Credit Bureaus as necessary. • Portfolio Management: Monitor the performance of our loan portfolio and provide recommendations for risk mitigation. Monitor EWS and conduct Portfolio Reviews for timely interventions • Credit Provisioning: Define the Provisioning norms and implement it, monitor regularly for accuracy and required changes • Reporting and Visualization: Create clear and concise reports and dashboards to communicate findings to various stakeholders. • Documentation: Maintain accurate and comprehensive records of credit application testing, decisions, and related information • Regulatory Compliance: Ensure our credit risk models and practices adhere to regulatory and compliance requirements. • Continuous Improvement: Stay up-to-date with industry best practices and evolving analytics techniques