Title: Portfolio Analyst
Reports to: Portfolio Manager
Location: Lomé, Togo
Who we are:
Bboxx is a data-driven super platform, transforming lives and unlocking potential by connecting consumers and deploying innovative products across Africa.

Bboxx is championing the economic empowerment of Africa, accelerating the transition to the digital economy and creating new markets. We have built Bboxx Pulse®, a fully integrated operating system, and combined it with an extensive on-the-ground network to connect customers with clean energy, clean cooking, smartphones, e-mobility and selected financial products – many for the first time.
We are connecting both underserved rural communities and aspiring urban ones with a highly convenient and affordable way to access life-changing solutions, through last mile logistics and data-powered innovative financing methods. We offer our services on a pay-as-you-go basis to households, businesses, and communities, enabling African consumers to unlock their potential.
We build strategic partnerships with investors, utilities providers, global companies, and governments to accelerate growth and provide a wide range of products to consumers in Africa. Our partners are seizing a massive market opportunity by plugging into Bboxx – developed through green tech and big data and designed for scale.
Following the successful acquisition of solar energy frontrunner PEG Africa in 2022, Bboxx is now positively impacting the lives of more than 3.5 million people in 10 operating markets, directly contributing to 11 of the 17 United Nations Sustainable Development Goals. Bboxx and its group of companies is one of the largest networks in Africa, with over 4,000 staff across Africa and offices in the UK and Asia.

Role Brief:
Supporting the Portfolio Manager, the role will be responsible for executing portfolio strategies, mitigating default risk, and achieving cash collection targets. The role involves identifying, developing, and implementing initiatives for sustainable growth. 
The ideal candidate must possess an entrepreneurial mindset, excel in startup environments, demonstrate creativity, organizational prowess, and a track record of driving KPI achievement, policy implementation, and data-driven customer management within a large team. The candidate should adeptly structure and execute performance-boosting plans, leveraging data and market insights to pilot and scale initiatives across departments.

What you can expect to be doing:

Perform data extraction and analysis tasks for data stored in different databases.
Proactively oversee credit risk at both portfolio and customer account levels, 
aligning with risk targets.
Implement efficient operations with aligned organizational structures, tools, 
standards, and systems.
Attain KPIs related to portfolio quality, cash flows, and cost management.
Provide various tasks and analysis at the request of the hierarchy.

Deliverables and Activities
Strategy, Analytics & Innovation
● Lead the development of a Credit Performance Management Dashboard and 
action plans, integrating data from various sources.
● Design and execute A/B tests to enhance customer repayment behaviour by 
identifying effective strategies.
● Conduct customer insight research projects to better understand repayment 
drivers and scale successful initiatives based on data insights.
Credit Risk Monitoring & Management
● Monitor, assess, and anticipate credit risk across the portfolio, and 
proactively and sustainably manage credit risk exposure in line with Bboxx 
Africa's strategy and targets.
● Identify key contributors to low performance and create action plans for 
improvement.
Scalable Credit Operations
● Implement efficient credit operations, aligning with Bboxx Group policies.
● Create user-friendly tools, optimize data collection, and manage loan servicing 
costs effectively

What we are looking for:
Bachelor's degree in Statistics/data analytics and/or Computer Science (programming and database management) + 3 years minimum work experience in data processing, data management and data analysis.
SQL Language proficiency: with the ability to extract data via SQL Server, Dbeaver, etc.
Mastery of data processing and analysis software (R, Stata, SAS, SPSS, etc.)
Microsoft Office proficiency (word/excel/PowerPoint),
Proven experience in Database management.
High level of comfort working with multidimensional data, with the ability to translate analysis to insights, and insights to action.
Intermediate level for English communication skills
Demonstrated ability to manage projects, especially in a high-growth and performance-driven environment.

Bonus experience if you have it:
Experience with customer segmentation and customer profiling/personas
Experience in process development and improvement (Six Sigma, etc.)
Experience in design thinking (a.k.a. human-centered design)
Data systems and CRM: strong experience with Power BI/data visualization software


At Bboxx, we celebrate our differences, and recognize the strength in the diversity of our people.  We are a global employer who believe in providing opportunities for all its employees to unlock their potential regardless of background, age, sex, race, religion, or personal beliefs. 

We look to recruit individuals from all different backgrounds and encourage you to apply to roles you are passionate about, even if you need help from us to develop your skills.   We strive to create an inclusive environment and regularly celebrate the diversity of our people through events arranged by our Culture Committee.  Bboxx provides a workplace where you can be your authentic self and focus on our mission of transforming lives through access to energy!