Analyst Credit Risk CVM

1 week ago

Johannesburg, South Africa Absa Group Limited Full time
Job title : Analyst Credit Risk CVM Job Location : Gauteng, Johannesburg Deadline : December 20, 2024 Quick Recommended Links
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Job Summary

  • We are recruiting for an analytical individual with 2-3 years' experience in data analysis, to support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle to create shared growth within the boundaries of internal policies and external regulations for Growth Business clients.

Job Description

Role Overview:

  • This critical role is designed to manage the heavy workload of the Collections Strategy Optimization and Debt Sale team. The Collections Strategy Manager will develop and implement effective collections strategies, ensuring alignment with portfolio objectives and regulatory requirements.
  • The ideal candidate will leverage their analytical expertise to drive strategy enhancements and manage credit risks effectively.

Key Responsibilities:

Portfolio Management:

  • Demonstrate an in-depth understanding of the portfolio, including performance drivers and risk factors.
  • Maintain clarity on collections, impairments, and the drivers impacting them.
  • Align to and implement documented strategies and policies within the portfolio.
  • Conduct high-quality credit risk assessments and reviews for BAU (Business-As-Usual) processes and strategies.
  • Design and develop data-driven collections strategies, identifying gaps, providing solutions, and aligning them with overall portfolio objectives.
  • Embed improvements into collections strategies through rigorous research and data interrogation.
  • Data and Systems Management:
  • Manage BAU, ad-hoc, and automated processes with efficiency.
  • Produce and analyze management information and insights within stipulated SLAs.
  • Perform data analysis and processing, including sourcing, cleaning, validating, and consolidating large datasets using advanced SAS skills.
  • Identify trends and anomalies to support data-driven decision-making.
  • Governance and Compliance:
  • Adhere to the bank's credit risk policies and ensure compliance with all relevant legislation.
  • Support end-to-end audit and governance processes to maintain high standards.
  • Stay informed on regulatory changes relating to collections and debt sales.
  • Investigate and provide thorough feedback on exceptions, ensuring adherence to governance standards.
  • Stakeholder and Customer Management:
  • Present analytical results and strategic proposals to both technical and non-technical audiences.
  • Build and maintain strong relationships with internal and external stakeholders, fostering collaboration.
  • Soft Skills:
  • Communicate complex data and strategies effectively to varied audiences.
  • Exhibit professionalism in all interactions and tasks.
  • Manage time and workload effectively to balance competing priorities.

Qualifications and Experience:

  • Preferred Qualification: Bachelor’s degree in Mathematics, Statistics, Engineering, or BMI
  • 2-3 years’ experience in financial services is advantageous.
  • Advanced SAS skills and experience with data analysis and processing techniques.
  • Strong understanding of collections, impairments, and credit risk management.

Personal Attributes:

  • Detail-oriented with a strong analytical mindset.
  • Proactive and self-motivated, with a focus on delivering results.
  • Excellent interpersonal skills to manage stakeholder relationships and drive collaboration.
  • This role is vital for managing the workload of the Collections Strategy Optimization and Debt Sale team, offering a challenging and rewarding opportunity to shape the future of collections strategy management.

Education

  • Bachelor's Degree: Actuarial Science, Bachelor's Degree: Business, Commerce and Management Studies, Bachelor's Degree: Statistics, Bachelor Honours Degree: BMI - Business Management and Informatics (Required)

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