Senior Credit Risk Analyst

2 weeks ago


Cape Town, South Africa Pollock and Associates Full time

Senior Credit Risk Analyst ICT ~ Retail

Cape Town - Western Cape - South Africa

You will be pivotal in driving informed decisions through advanced data analysis and risk assessment strategies. Leverage your expertise to shape credit policies, optimise risk management practices, and contribute to the organisation's long-term success.

Key Qualifications, Skill and Experience:

- Experience: Minimum 5 years in credit risk analysis, with comprehensive knowledge across the credit lifecycle.
- Education: Bachelors Degree in Mathematics, Statistics, or related field.
- Technical Proficiency: Advanced skills in SQL or SAS, coupled with mastery in Microsoft Excel.
- Analytical Skills: Proven track record in developing and utilising credit scorecards and analytics to inform risk strategies.
- Adaptability: Ability to pivot quickly and regroup when priorities shift, ensuring timely project completion.
- Strategic Insight: Expertise in building and refining credit risk scorecards, driving impactful risk strategies, and optimising risk policies.
- Data Proficiency: Ability to query, interpret, and present complex data clearly to support decision-making processes.
- Project Management: Strong ability to finish projects within deadlines, with a disciplined approach to task completion.

Key Responsibilities:

- Holistic Exposure: Engage in all facets of the credit lifecycle, from acquisition and marketing to account management and collections.
- Policy Establishment: Define optimal credit risk policies and limit calculations, aligning with organisational objectives.
- Analytical Excellence: Analyse current strategies, conduct A/B testing, and define rules to manage exposure based on customer performance.
- Consultative Engagement: Collaborate with operational teams to streamline mandates, providing consultative support and data-driven insights.
- Reporting: Produce monitoring reports and ad-hoc analytics to support strategic decision-making processes.
- Team Development: Mentor and upskill junior analysts, fostering a culture of excellence and continuous improvement.
- Regulatory Compliance: Ensure adherence to regulations and external data providers, maintaining professional relationships with stakeholders.

If you are a self-motivated, detail-oriented professional passionate about data-driven decision-making, we invite you to apply.



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