Workstream economics and planning
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Own the end-to-end performance of your assigned Android workstream
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Build a prioritised strategy and delivery roadmap aligned to the Android annual business plan
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Own the relevant workstream assumptions, monthly forecast and corrective actions
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Review budget-versus-actual performance and explain material variances
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Manage the relevant approval, disbursal, exposure, revenue, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer-value and recoverability metrics
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Identify material risk, economic leakage and profitable growth opportunities
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Quantify expected impact, implementation requirements, dependencies and downside risks
Credit strategy and experimentation
Depending on your mandate, you may design and improve:
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Eligibility, requalification and rejected-customer re-entry
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PD cut-offs and calibration
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Offers, exposure limits, pricing and tenure
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DTI, affordability and income-source treatment
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Top-Up and Consolidation eligibility
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Repeat-customer growth and customer-lifecycle strategy
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High-risk treatments and policy overlays
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Customer routing and graduation logic
Production implementation and controls
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Translate recommendations into decision-engine rules, parameters and implementation requirements
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Work directly with SQL, analytical code and decision logic where needed
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Define replay, back-testing, validation and testing requirements
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Review implementation logic for unintended policy or model interactions
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Define staged rollout, monitoring and rollback plans
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Monitor strategies after release and take corrective action where performance differs from expectation
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Maintain clear documentation, policy versioning and decision traceability
Cross-functional delivery and governance
You will work closely with the Android portfolio leadership team, Decision Science, Engineering, Product, Growth, Finance, Portfolio Economics, Collections, Fraud, Compliance, Legal, Operations and Customer Service.
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Write clear analytical and implementation briefs
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Define owners, milestones and expected economic impact
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Manage dependencies actively and escalate blockers with options
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Operate within agreed risk appetite, budgets and delegated authority
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Scale, pause, modify or roll back controlled strategies within your mandate
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Escalate decisions outside authority or with material legal, regulatory or customer-conduct implications
Senior individual-contributor leadership and succession
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Be the recognised owner of your assigned workstream
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Set its roadmap, forecast, scorecard and operating cadence
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Review peer analysis and improve analytical and implementation standards
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Mentor other analysts where required
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Document critical policy, model and decision-engine knowledge
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Reduce key-person dependency
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Represent your workstream in senior forums
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Deputise for the Lead Risk Manager, Portfolio Owner or designated workstream lead when required
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Build the judgement and breadth required to progress into broader portfolio ownership