JOB DESCRIPTION

• Your role will be to support the Credit Risk Manager with design, implementation and monitoring of solutions, models and scorecards across account origination, customer management, collections and recoveries. To derive insights and provide analytical solutions that will enhance the credit life cycle, through the conversion of analytical insights into sound business decisions and ultimately improved profitability.

RESPONSIBILITIES

• Help Credit Risk Manager make informed decisions by understanding business needs and improving the credit lifecycle.
• Contribute to the development and implementation of the functional strategy of the Credit Risk department.
• Share insights with management to shape Credit Risk department strategy.
• Maintain and update analytical tools, databases, and assess strategy effectiveness.
• Collaborate across teams for better portfolio management and KPI achievement.
• Ensure reports provide valuable insights and meet stakeholder needs.
• Translate business requirements into reporting needs and create dashboards.
• Provide monthly regulator reports and act on deviations.
• Evaluate and improve MIS efficiency in a changing economic environment.
• Maintain up-to-date strategy documents and event logs.
• Testing of strategy changes and making sure that it is working as design
• Complete Credit Risk focus sheet tasks promptly.
• Mentor and upskill junior data/credit analysts, fostering a culture of improvement.Top of Form    

QUALIFICATIONS

• A relevant IT related Degree or Diploma
• 5+ years with credit risk analytics experience or a similar data analytics role in a dynamic fast moving industry. 
• Strategic thinking, data management and variance analysis.
• SAS, SQL, Tableau and related database tools such as Microsoft Access, advanced Excel. 
• Understanding or knowledge of decision agents would be an advantage. 
• An analytical mind-set with excellent communication and problem solving skills. 
• Modelling skills in respect of credit risk scorecards.
• Great understanding of the credit lifecycle and regulations within the consumer credit markets.