Background

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 management, and risk assessment. This position is crucial for enhancing the efficiency and effectiveness of MESPT's credit operations and supporting its mission to empower micro-enterprises.

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.

Automation, Business Intelligence (BI) Reporting, Credit Risk & Early Warning Analytics:

• Automate recurring credit reports and analytics using tools such as: Excel Power Query / Power Pivot; SQL; Power BI dashboards.
• Design and maintain automated reporting pipelines for: daily arrears extracts; exception monitoring reports and portfolio performance scorecards.
• Build, maintain, and continuously refine Early Warning Indicators (EWIs) to predict likely defaults and emerging portfolio risks.
• Provide data-driven credit risk insights to guide proactive interventions, including: tightening eligibility criteria; restructuring and recovery strategies; employer concentration monitoring and management.
• Monitor, analyze, and report on approval exceptions and policy breaches using automated system controls and exception tracking reports.
• Develop and maintain risk dashboards and management reports to support portfolio monitoring and decision-making.
• Provide technical advisory support to financial partners and internal teams on data automation, reporting compliance, and best-practice BI approaches.
• Support SACCOs to use analytics for improved portfolio monitoring, credit decision-making, and business strategy.
• Serve as the primary technical focal point for credit data, reporting automation, and BI-related issues between FIYMA and SACCO partners.
• Train and support credit teams on interpretation, application, and decision-making using BI reports, dashboards, and risk alerts.

Data Quality Assurance and Compliance:

• Establish protocols, guidelines, and standards for data collection, analysis, reporting and compliance across the credit department and financial partners.
• Implement and enforce credit data quality assurance protocols, including validation checks, reconciliations, and routine data audits at MESPT and financial partners levels.
• Work with financial partners and internal credit team to resolve data inconsistencies, missing records, and reporting delays.
• Support internal and external audits by providing clean, complete, and well-documented credit data.
• Ensure all data handling complies with MESPT credit policies, FIYMA loan management guidelines, donor reporting requirements, and agreed data governance and regulatory standards.

Learning, Insights, and Continuous Improvement:

• Document lessons learned from credit data trends, portfolio performance, and SACCO reporting practices.
• Contribute analytical insights to programme learning, adaptive management, and system improvements.
• Support evaluations and special studies by providing high-quality credit and beneficiary datasets.
• Develop and improve tools, templates, and systems for effective data collection, reporting, and visualization.
• Stay updated on best practices in credit analytics, financial inclusion data management, and reporting methodologies.
• Any other duties assigned by the FIYMA Credit and BD Manager.

Key Deliverables:

• System uptime and reliability for credit operations.
• Accuracy and timeliness of portfolio reports and extracts.
• Reduced reporting turnaround time (automation success).
• Reduction in data inconsistencies and audit issues.
• Improved visibility of arrears and early warning trends.
• Adoption rate of dashboards/reports by credit teams.

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 management, and risk assessment.

Qualifications and Experience

The specific qualifications and experience required for this role are not detailed in the provided text. However, based on the responsibilities, it is expected that the candidate will possess strong analytical, technical, and system administration skills, with a background in data management, credit analysis, and reporting. Experience with core banking systems, MIS, and BI tools would be highly advantageous.

Benefits

25 days annual leave, Medical Insurance, 20% Gratuity and 7.5% leave allowance.

Contract Details

3-year fixed term contract and 1-month notice period (renewable subject to performance and funding).

• 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.
• 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.
• Automate recurring credit reports and analytics using tools such as: Excel Power Query / Power Pivot; SQL; Power BI dashboards.
• Design and maintain automated reporting pipelines for: daily arrears extracts; exception monitoring reports and portfolio performance scorecards.
• Build, maintain, and continuously refine Early Warning Indicators (EWIs) to predict likely defaults and emerging portfolio risks.
• Provide data-driven credit risk insights to guide proactive interventions, including: tightening eligibility criteria; restructuring and recovery strategies; employer concentration monitoring and management.
• Monitor, analyze, and report on approval exceptions and policy breaches using automated system controls and exception tracking reports.
• Develop and maintain risk dashboards and management reports to support portfolio monitoring and decision-making.
• Provide technical advisory support to financial partners and internal teams on data automation, reporting compliance, and best-practice BI approaches.
• Support SACCOs to use analytics for improved portfolio monitoring, credit decision-making, and business strategy.
• Serve as the primary technical focal point for credit data, reporting automation, and BI-related issues between FIYMA and SACCO partners.
• Train and support credit teams on interpretation, application, and decision-making using BI reports, dashboards, and risk alerts.
• Establish protocols, guidelines, and standards for data collection, analysis, reporting and compliance across the credit department and financial partners.
• Implement and enforce credit data quality assurance protocols, including validation checks, reconciliations, and routine data audits at MESPT and financial partners levels.
• Work with financial partners and internal credit team to resolve data inconsistencies, missing records, and reporting delays.
• Support internal and external audits by providing clean, complete, and well-documented credit data.
• Ensure all data handling complies with MESPT credit policies, FIYMA loan management guidelines, donor reporting requirements, and agreed data governance and regulatory standards.
• Document lessons learned from credit data trends, portfolio performance, and SACCO reporting practices.
• Contribute analytical insights to programme learning, adaptive management, and system improvements.
• Support evaluations and special studies by providing high-quality credit and beneficiary datasets.
• Develop and improve tools, templates, and systems for effective data collection, reporting, and visualization.
• Stay updated on best practices in credit analytics, financial inclusion data management, and reporting methodologies.
• Any other duties assigned by the FIYMA Credit and BD Manager.