Junior Credit Analyst

3 days ago

Sandton, Gauteng, South Africa Core Group Full time R80 000 - R120 000 per year

Location: Hybrid
Hours: Retail

About iStore

iStore is the home of everything Apple, and Africa's largest Apple Premium Reseller. With a retail footprint of more than 41 physical and online stores across Africa, we provide expert advice, Apple Authorized Repairs, Business and Education solutions, training, and technical support for anything and everything Apple.

Purpose of the Role

To provide quantitative and qualitative assessments of the financial risk for Customers and Business with the aim of identifying and managing portfolio related credit risks.

What We Offer

  • The chance to join a diverse team of passionate individuals and work with the world's top brands every day.
  • A fun and challenging environment that will expand your knowledge and sharpen your skill set.

Key Responsibilities

  • Review and analyse credit applications to assess risk.
  • Make independent credit decisions within SLA timeframes.
  • Conduct regular credit reviews and approvals.
  • Interpret and manage credit bureau and customer financial data.
  • Monitor customer database, limits, ratings, and exposure levels.
  • Suggest risk mitigation measures for consumer finance products in line with company risk philosophy.
  • Keep client portfolios current with annual reviews.
  • Identify transaction-specific risks including credit, taxation, accounting, and legal.
  • Document findings and prepare reports for credit committee review.
  • Act as a bridge between risk and business, providing objective assessments with pros and cons.
  • Support projects, track progress, and provide data analysis/forecasting where required.
  • Work retail hours supporting iStores that will include weekends and public holidays.

Competencies

  • Strong analytical skills with the ability to interpret complex data.
  • High attention to detail and sound judgement.
  • Ability to build strong professional relationships and communicate effectively with different stakeholders.
  • Conflict management and negotiation skills to achieve win-win outcomes.
  • Proactive problem solver who adapts to changing priorities.
  • Ethical, transparent, and objective in all decision-making.
  • Able to thrive in a fast-paced, evolving retail environment.
  • Can work well independently
  • Good time management
  • Be reachable during working hours

Qualifications & Experience

  • Bachelor's degree in finance or accounting
  • 3–5 years' experience in credit risk analysis in retail/banking or related environment.
  • Solid understanding of the credit lifecycle, including reading and interpreting credit bureau records.
  • Proficiency in financial analysis, data interpretation, Risk management and reporting.
Note: If your application is successful, background checks will be conducted (criminal record, credit, ID verification, matric verification, and references.

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