Senior Analyst, Risk-Based Pricing & Portfolio Analytics Loan Solutions & Distribution - Ecobank Côte d'Ivoire

The Senior Analyst, Risk-Based Pricing & Portfolio Analytics (RBP & PA) is a senior technical position reporting to the Group Head, Loan Solutions & Distribution (LSD) within the Global Financing Solutions division of Ecobank CIB. 

The function is in charge of maximizing the profitability of the CIB loan book across the Group, by helping the business increase interest and non-interest income, as well as optimize the capital and liquidity usage for each affiliate when it comes to corporate lending. 

Job Context

This role will play a critical part in driving growth and profitability for CIB affiliates by developing frameworks to enhance profitability and resilience of the loan portfolio through pricing optimization and portfolio strategy. This function will be working with Credit Risk, Risk Analytics, Finance, ALM, Capital Management and other support functions, to improve the loan book performance by implementing various strategies at the transaction level ex-ante during deal execution and at the portfolio level ex-post.

Key responsibilities include:

• Monitor and report on product performance and deal pipeline.
• Design and implement risk-based pricing models.
• Develop dashboards to monitor credit portfolio performance.
• Advise on credit enhancement solutions and capital optimization strategies.
• Provide pricing frameworks by product and segment.
• Support business planning with data-driven insights.

Key Responsibilities

BUSINESS AND FINANCIAL PERFORMANCE

• Periodically report on the loan product performance at the Group level, working closely with local and regional teams to get granular data.
• Track and report on the deal pipeline weekly, and provide details on deal execution status, SLAs, and revenue forecasts. 
• Work with Finance and other support teams to build and track the sub-product lines and a shadow financial reporting system to measure LSD revenue streams (Net interest margin, distribution revenues, agency revenue and other fees & commissions).
• Work with Finance, ALM, Risk and Capital Management, to develop/improve prospective pricing, profitability and risk-adjusted return metrics at the transactional level to be applied by structuring teams, and to guide credit decision-making ex-ante. 
• Liaise with affiliates on a weekly basis to consolidate loan revenue data based on disbursements and run-offs.
• Run monthly financial projections to estimate the product performance based on outstanding loan amortization tables, expected run-offs, new pipeline transactions and projected FTPs.
• Provide recommendations on capital optimization and de-risking strategies to be applied by the distribution team.
• Track the top CIB obligors in our credit portfolio, identify large credit migrations, monitor financial performance, anticipate large loan run-offs and advise the coverage and product teams on term loan renewal opportunities on the most performing clients. 
• Build a loan pricing model to improve the product’s net interest margin and non-interest revenue across the group. 
• Analyze the net return and NIM generated on our top credit exposures, relative to the pricing and cost-of-funds initially booked, as well as expected cross-sell revenues. 

CUSTOMER EXCELLENCE

• Foster a customer-centric culture, ensuring the delivery of exceptional service to the LSD unit.
• Build and maintain strong relationships with internal stakeholders across affiliates and Group, including Risk, Finance, ALM, Risk, Capital Management and other functions.

PROCESS, CONTROL AND OPERATIONAL PERFORMANCE

• Ensure robust risk management practices, compliance with regulatory requirements, and adherence to corporate governance standards.
• Streamline and optimize processes to enhance efficiency, effectiveness, and control.
• Oversee the implementation and maintenance of technology solutions that support operational excellence and data-driven decision-making.
• Monitor and manage operational risks, implementing mitigation strategies as necessary.

STRATEGIC INITIATIVES

• Drive the development and execution of strategic initiatives aimed at enhancing the division's market position and achieving long-term growth.
• Identify and capitalize on emerging trends, market opportunities, and competitive dynamics.
• Collaborate with senior leadership and other business units to align strategies and leverage synergies across the organization.
• Lead strategic projects and initiatives, ensuring timely and successful implementation.

💼 Candidate Profile

Experience & Qualifications

• Master’s Degree (or its equivalent) in financial engineering, quantitative risk management, Statistics, Applied Mathematics, Economics or related disciplines.
• A minimum of six (6) years of experience in financial services, with a strong track record in financial modelling and credit portfolio analytics roles.
• Deep knowledge of risk-adjusted return metrics (RAROC, economic capital, RoRWA, etc.)
• Proficiency in financial reporting and portfolio analytics tools (e.g., SAP, Tableau, Power BI, SAS, Python, R)
• Strong understanding of credit risk, capital adequacy, and liquidity requirements
• Understanding of the Basel Capital Accord and its application in credit risk management and business decision-making.
• Experience in designing pricing models that incorporate credit, capital, and funding costs
• Strong analytical expertise with a deep understanding of corporate finance, risk management, and banking operations.
• Ability to translate analytics into commercial insights and strategy.
• Strong understanding of corporate and investment banking products, especially term loans and structured finance.
• Familiarity with syndication markets, credit enhancement tools, and capital optimization strategies.

Skills, Capabilities & Attributes

• Proven team leadership and talent development capability.
• Track record in project management, process optimization, or tool implementation.
• Experience with change management in data or pricing infrastructure.
• Ability to present complex analytical insights clearly to senior executives.
• Skilled at influencing cross-functional teams including Finance, Risk, Coverage, and Treasury.
• Experience in preparing and presenting to governance committees, risk forums, and regulatory bodies.
• Highly detail-oriented with a big-picture, value-creation mindset.
• Strong problem-solving and critical thinking abilities.
• Resilient, with the ability to operate in fast-paced, cross-border environments.
• Committed to continuous learning, innovation, and digital transformation.
• Collaborative, yet assertive in driving execution and accountability.

Being Bilingual (English/ French) is a strong asset.  

📍 Location: Abidjan 

Nous sommes l'un des meilleurs employeurs d'Afrique.

Les données personnelles relatives à votre personne recueillie lors du dépôt de votre candidature sont traitées par la société ECOBANK-CI, dont le siège est situé à Abidjan, Plateau Avenue Houdaille, pour analyse de votre candidature en fonction des besoins actuels de la banque.

Ce traitement de données relève de l’intérêt légitime.

Les destinataires des données personnelles traitées sont le personnel des ressources humaines et autres personnes habilitées au sein de la banque.

En cas de refus de votre candidature la durée de conservation de vos données à caractère personnel sera de 1 (un) an maximum, afin d’examiner votre profil dans le cadre d’autres procédures de recrutement.

Par les présentes, vous consentez au traitement des données à caractère personnel vous concernant.

Vous disposez d’un droit d’accès, de rectification, d’effacement, de limitation, ainsi qu’un droit à la portabilité de vos données. Vous pouvez vous opposer, sous réserve de justifier d'un motif légitime, à ce que ces données fassent l'objet d'un traitement. Vous pouvez aussi, à tout moment et sans frais, sans avoir à motiver votre demande, vous opposer à ce que vos données soient utilisées à des fins de prospection commerciale.

Consultez le site ECOBANK-CI www.ecobank.com pour plus d’informations sur vos droits.

Pour exercer ces droits ou pour toute question sur le traitement de vos données dans ce dispositif, vous pouvez contacter notre correspondant à la protection des données à caractère personnelle à l’adresse suivante eci-dpo@ecobank.com.

Si vous estimez, après nous avoir contactés, que vos droits ne sont pas respectés conformément à la loi N°450-2013 du 19 juin 2013 relative à la protection des données à caractère personnel, vous pouvez adresser une réclamation à l’Autorité de Protection des données à caractère personnel (ARTCI).