Analyst Credit Risk Cvm
2 weeks ago
- With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
Responsible for developing Acquisition, as well as Existing customer, Retail credit risk, collections or campaign strategies by using data analysis & predictive modelling techniques.
In addition, responsible for developing monitoring & tracking management information (MI) of strategies & developing reports to highlight trends to management within the Portfolio.
Job Description:
Strategy Design & Analysis
Develop data driven strategies within Retail Customer Value Management (CVM) team, including:
- Liaise with relevant stakeholders in order to identify & select an appropriate data sample;
- Source data on (e.g.) overall performance & point in time status on customer's accounts / credit history, from various data sources;
- Consolidate data in a logical manner and ensure sense tests are done before performing analysis.
- Identify data anomalies / trends & investigate possible causes;
- Develop several alternative profitability strategies based on an analysis of data & risk criteria available.
- Produce detailed report CVM & portfolio Management Team on strategy design, including:
- Indicate data sample used, possible data exclusions & reasons of exclusions;
- Document strategy design methodology;
- Document possible alternative strategies & their impact on the business.
- Obtain buyin from all stakeholders by communicating strategy.
- Present strategy within CVM monthly meeting to stakeholders.
- Liaise with CVM capability team to ensure strategy is correctly implemented & timelines are within acceptable standards.
- Execute unit testing to ensure proposed strategy is correctly implemented in credit scoring systems.
- Continually benchmark current strategies against mandated risk criteria & industry standard & best practice benchmarks.
- Secure approval from relevant governance structures, including signoff control processes.
- Produce & analyse monthly MI, to provide insightful to support data areas of potential concern & develop remedial action plans.
- Produce strategy review documentation that shows relevant performance of comparative acquisition & existing customer strategies.
- Produce adhoc analysis reports on specific credit, campaign or collections issues.
- Communicate with members of the respective Strategic Business Units (SBUs) to ensure speedy adoption of strategy development & revisions.
- Communicate analytical results.
- Manage strategy signoff process to ensure all stakeholders are informed of proposed strategy changes.
- Liaise with operational areas to ensure strategies are working optimally.
- Ensure all strategies comply with Bank's credit risk policies & framework.
Experience Required:
- 5 years' experience is required, in data analysis utilising a standard statistical package such as SAS.
- 2 years experience in SAS Advanced programming for statistical analysis & manipulation of very large data sets.
- Advanced computer literacy especially the Microsoft Office suite of programmes (MS Word, MS Excel, MS PowerPoint)
- Visualization package such as Power BI/Tableau/SAS VA or similar
- Problem Solving.
- Strong understanding of key credit risk metrics.
- Excellent Communication skills.
Education:
- B Degree in Business or Mathematics or Statistics or Operational Research or Industrial Engineering or Risk Management or similar.
Bachelor's Degrees and Advanced Diplomas:
Business, Commerce and Management Studies (required)
- Absa Bank Limited reserves the right not to make an appointment to the post as advertised_
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