Credit Analytics

3 weeks ago

Johannesburg, South Africa Top Talent Professional Services Full time

JOB PURPOSE

The Credit Analytics and Modeling Manager is a modeling expert that apply a credit risk background in the telecommunications industry, mainly on the postpaid contracts. The role requires a good understanding of credit risk, out of the box thinking and analyzing large quantities of data in order to positively affect profitability and credit losses. The incumbent will have the opportunity to manage established, but evolving processes and bring her/his own unique perspective on ways to develop new and improved existing mission critical models and analytical frameworks. The incumbent will demonstrate strong ability to understand data structures, formulate hypotheses, develop and conduct tests of these hypotheses, and effectively communicate results.

RESPONSIBILITIES

Credit Analytics and Risk

Preparing, analyzing and validating data to perform quantitative analysis for statistical and modeling data

Analysis of historical data, data cleaning, sampling, variable selection, modeling and performance evaluation

Develop analytic solutions using outputs from models in credit decision, business strategies, risk appetite setting and provisioning and capital assessment

Active stakeholder engagement & development of analytic solutions

Monitor credit risk settings & appetite of the organization

Active stakeholder engagement & development of analytic solutions

Monitor credit risk settings & appetite of the organization

Ensure that risk analytics and credit risk management, align to business strategies & provisioning

Model creation and management

Development of models in multiple programming languages

Develop and maintain user requirements, parameters and configurations of rating systems

Monitor, back test and report performance of the models

Support models throughout the model lifecycle, including governance, model reviews and model refinements

Conceptual design of modelling approaches and model architectures including model principle, quantitative methods and underlying assumptions

Develop predictive and decision models to be deployed in systems

Maintain credit rating models for the measurement and management of credit risk

Work closely with model validators to ensure adherence to the governance framework for model deployment and ensure timely closure of validation issues

Work Collaboratively

Build a culture of respect and understanding across the organisation

Recognise outcomes which result from effective collaboration between teams

Build co-operation and overcome barriers to information sharing, communication and collaboration across the organisation

Facilitate opportunities to engage and collaborate with stakeholders to develop joint solutions

Self Management

Follow through to ensure that personal quality and productivity standards are consistently and accurately maintained

Demonstrate consistent application of internal procedures

Plan and prioritise, demonstrating abilities to manage competing demands

Demonstrate flexibility in balancing achievement of own objectives with abilities to understand and respond to organizational needs

Demonstrate abilities to anticipate and manage change

Requirements

BEHAVIOURAL COMPETENCIES

Manages Complexity

Optimizes Work Processes

Ensures Accountability

Business Insight

Decision Quality

Financial Acumen

Courage

Instills Trust

SKILLS

Planning and Organising

Action Planning

Data Collection and Analysis

Verbal Communication

Data Control

Numerical Skills

Review and Reporting

Risk Management

EDUCATION

Matric

Bachelors Degree in Actuarial Science/Mathematics/Statistics/Engineering

EXPERIENCE

5 to 10 years experience in telecommunications or credit risk

Experience in credit risk modelling including IFRS9 is preferable

Salary: R 1.4 mil pa

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