1. Analytics & Reporting

• Design, develop, and maintain dashboards, scorecards, and performance reports for business units across the group.
  
• Automate recurring reports to improve efficiency and reduce manual processing effort.
  
• Present complex analytical findings in clear, accessible formats for both technical and non-technical stakeholders.
  

2. Performance Monitoring

• Track and analyse performance across frontline functions, and back-office functions.
  
• Monitor branch performance, digital channel efficiency, and product profitability to surface opportunities and risks.
  
• Support the Head of Data and Analytics in maintaining enterprise-wide balanced scorecards.
  
• Contribute to workforce optimisation and cost efficiency analysis to inform strategic planning.
  

3. Advanced Analytics & Predictive Modelling

• Build and validate predictive models to forecast customer behaviour, credit risk, and product demand.
  
• Apply machine learning and statistical techniques to improve loan underwriting, fraud detection, and customer churn prediction.
  
• Conduct profitability and segmentation analyses to identify high-margin products, services, and customer groups.
  
• Support the ongoing development and refinement of AI/ML models for credit scoring and anti-money laundering (AML).
  

4. Customer Insights & Personalisation

• Analyse customer transaction data, spending patterns, and lifestyle trends to generate actionable insights.
  
• Identify high-value customer segments to support targeted marketing campaigns and product strategies.
  
• Partner with business and product teams to enhance cross-selling and upselling strategies through data-driven recommendations.
  

5. Data Governance & Quality

• Ensure all data used for analytics and reporting meets governance, accuracy, and completeness standards.
  
• Implement and uphold data quality controls, escalating issues to the Head of Data and Analytics for resolution.
  
• Adhere to applicable regulatory and compliance standards (e.g., GDPR, CCPA, local banking regulations) in all analytics activities.
  

6. Cross-Functional Collaboration & Stakeholder Engagement

• Work closely with business units frontline functions and enabling functions to identify data needs and deliver tailored analytical solutions.
  
• Present insights and recommendations to senior management in a structured, decision-ready format.
  
• Engage with external vendors and data partners as directed by the Head of Data and Analytics.
  

7. Team Leadership & Capability Development

• Supervise and mentor analysts within the team, fostering a culture of accountability, learning, and high performance.
  
• Assign, review, and quality-check analytical outputs to ensure accuracy and alignment with business priorities.
  
• Support onboarding and skills development of junior team members.
  

Principal Outputs for this Role

• Accurate, timely dashboards and performance reports delivered to business stakeholders on schedule.
  
• Validated predictive models supporting lending decisions, fraud detection, customer retention, and risk management.
  
• Customer segmentation and behavioural analyses informing marketing and product strategy.
  
• Standardised KPIs and metrics enabling consistent performance tracking across the Group.
  
• Data quality and governance compliance records maintained to required standards.