Credit Risk Analyst

1 week ago


Northern Suburbs, South Africa Pepkor Payments & Lending Full time

The purpose of the Credit Analyst is to analyse and interpret the credit risk indicators with the objective of achieving bad debt and pass rate targets and optimising portfolio profitability. Recommend credit policy and operational policy changes based on analysis.

**Design and Analytics**:

- Design and build provisioning, profitability, bad debt and cash flow forecasting models.
- Design and continual optimisation of the credit vetting and scoring policy to ensure credit performance targets are met.
- Analysis of operational performance and recommendations to improve credit efficiencies.
- Perform ad hoc analysis required by Credit Committee to enable accurate decisioning.
- and collections scorecards. Coach and mentor other analysts to deliver on key performance areas.

**Portfolio Monitoring and Recommendations**:

- Daily, weekly and monthly tracking of relevant metrics.
- Ensure accurate measurement and monitoring of credit risk and credit operational performance.
- Monitor and analyse fraud processes to ensure optimal levels of fraud through proposals/recommendations to Credit Committee on effective prevention strategies.
- Input and recommendations on the development and enhancement of the credit risk strategy and analytics for Capfin.
- Identify trends in performance and recommend policy changes to Credit Committee.

**Reporting**:

- Design a reporting framework for implementation by BI team
- Validate reporting development by BI team
- Enhance reporting requirement to match business needs

5. Financial Risk Management
- Completing the annually insurance declaration and performing supporting calculations
- Monitoring/updating of the companies’ risk registers on a monthly and bi-annually

**Qualifications**
- Grade 12
- 3-year tertiary qualification in relevant technical/financial/analytical related field of study
- Bachelor’s degree in numerical or quantitative areas, post-graduate qualification will be an advantage

**Experience**
- 2 - 6 years of analytical credit experience within the banking, financial services or retail credit industries

**Core Functional Competencies**
- Scorecard building and monitoring
- Performance Reporting and interpretation
- Formulate policy proposals in line with mandate
- Diagnostic analytics
- Manage relationships with credit bureaus
- Champion Challenger analysis

**Core Behavioural competencies**
- Strong analytical skills
- Work accurately to deadlines
- Good Communication Skills
- Proactive
- Able to work collaboratively or independently
- Organised

**Pepkor Payments and Lending is committed to creating equal employment opportunities.


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