Credit Risk Analyst

2 days ago

Johannesburg, South Africa Be Different Recruitment Full time

Gauteng, JHB - Central
- (Medical Aid, Pension Fund, Provident Fund, Preferential Banking Rates Market related)- Our client, one of the biggest banks in South Africa based in Johannesburg who is a firm believer in technical innovation and leading-edge financial solutions is urgently looking for Credit Risk Analyst to:
To inform key stakeholders with superior analysis in order to ensure the most efficient allocation of funds within the retail credit environment, manage credit risk and related projects and work with a team that is responsible for the health of the credit portfolio. You will analyse consumer credit data in order to make informed credit decisions and recommendations.
Consulting with key stakeholders that have analytical requirements, whilst proactively seeking to optimise the portfolio of customers by identifying and implementing value adding solutions and building collections and/or originations strategy solutions that manage and grow the portfolio within risk appetite.

**NOTE: This is a hybrid working model position and vaccination against COVID is now mandatory**

**In order to be considered the following is required**:

- Minimum Bachelors degrees in either - Maths, Stats, IT, Actuarial Science, Economics, Engineering or Finance
- Relevant business related tertiary qualification
- SAS / SQL / VBA / Other Coding Languages
- Advanced computer literacy skills with a high proficiency in MS Excel, Word and PowerPoint
- 1 - 2 years of experience in an analytical role using SAS
- 1 - 2 years Personal and Business Banking Credit related experience
- Strong analytical skills and self-motivated driver of performance
- Performance-driven and results-orientated with a relentless drive to succeed
- Excellent interpersonal communication (verbal and written) abilities
- The ability to prioritise and multi-task, within a fast-paced and pressurised environment
- Strong planning, organizing and coordinating skills
- Exceptional attention to detail with a thorough approach to work

**Responsibilities**:

- Sets and monitors the new business strategy within the agreed business unit’s growth and risk appetite objectives
- Drafts the origination policies (with relevant governance forum approval) and ensures execution thereof
- Drafts collections and recoveries strategies (with relevant governance forum approval) and ensures execution thereof
- Reviewing and enhancing credit limits to ensure that business exposure levels are met and that products are attractive to the lowest risk customers
- Evaluation and optimisation of credit scoring predictive models
- Building and evaluating forecast models for future defaults and roll rates
- Perform data-oriented ‘‘ad-hoc’ analysis to support business strategy optimization in credit
- Use data-oriented approach to work with stakeholders in solving complex business problems around profitability, marketing, risk, and operational analysis
- Propose test and learn strategies to foster innovation
- Understanding the legal and regulatory rules that need to be adhered to in terms of the National Credit Act and ensuring that these are observed within risk decisions

Information displayed above not limited to advertisement.
- For more information please contact:

- Miller Mkandhla

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