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Specialist: Unsecured Credit
4 weeks ago
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Purpose Statement
- To provide specialist knowledge and data insights linked to product knowledge towards the formulation and enablement of the Bank's Unsecured Credit Strategy – in order to achieve the required market share within ROE and profitability targets
- To provide business context to modelling and analytical teams and lead a data-driven Unsecured Credit strategy
- To provide input into credit client experience through improved processes and product value proposition.
Experience
Minimum:
- 2 – 3 years working in an unsecured credit portfolio.
- Exposure to a data-driven culture / business environment.
- Proven experience in providing insights based on data analysis.
Ideal:
- 3+ years' experience in risk management of unsecured credit portfolio
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
- Bachelor's Degree in Commerce or Economic and Management Sciences
Qualifications (Ideal or Preferred)
- Honours Degree in Commerce or Economic and Management Sciences
Knowledge
Minimum:
- Analytics
- Scorecard building, modelling and portfolio management
- Understanding of scored lending / a volume book
- Understanding of the SME environment
- Financial Services Industry (retail or other)
- Basel II
- Credit Risk regulatory requirements
Ideal:
- Banking
Skills
-
Analytical Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Numerical Reasoning skills
- Problem solving skills
- Accounting / Financial Services jobs