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Senior Credit Risk Analyst
3 months ago
Furthermore, the Senior Credit Risk Analyst will recommend credit policy and operational policy changes based on analysis.
**Key Responsibilities**
1. 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
2. Portfolio monitoring and recommendations
- Daily, weekly and monthly tracking of relevant metrics
- Ensure accurate measurement and monitoring of credit risk and credit operational performance
- Work closely with the data team and information and analytics architect to implement data solutions in the data warehouse
- 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
3. Reporting
- Design a reporting framework for implementation by BI team
- Validate reporting development by BI team
- Enhance reporting requirement to match business needs
**Qualifications**
- Grade 12 with a 3-year qualification in relevant technical/financial/analytical related field of study
- Bachelor’s Degree in numerical or quantitative areas
- A post-graduate qualification will be an advantage
**Work Experience**
- Minimum 5 years analytical credit experience within the banking, financial services or retail credit industries
**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
**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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