- Own the end-to-end performance of an assigned Android lending workstream.
- Build a prioritised strategy and delivery roadmap aligned to the Android annual business plan.
- Own workstream assumptions and monthly forecasts, review budget-versus-actual performance, and explain material variances.
- Manage approval, disbursal, exposure, revenue, risk-adjusted Gross Profit, ECL, FPD, roll-rate, PAR, NPL, customer-value and recoverability metrics.
- Identify material risk, economic leakage and profitable growth opportunities, and quantify expected impact, implementation requirements, dependencies and downside risks.
- Design and improve credit strategies such as eligibility, PD cut-offs, offers, exposure limits, pricing, tenure and customer-lifecycle rules.
- Translate recommendations into decision-engine rules and implementation requirements, and define replay, back-testing, validation and testing requirements.
- Define staged rollouts, monitoring and rollback plans; monitor strategies after release and take corrective action when performance differs from expectations.
- Coordinate delivery with portfolio leadership and partner teams, document decisions, manage dependencies and escalate blockers or decisions outside delegated authority.
- Set the workstream roadmap, forecast, scorecard and operating cadence; review peer analysis, mentor analysts where required, and represent the workstream in senior forums.
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