Credit Risk Analyst

Credit Risk Analyst

Our client is looking for a Credit Risk Analyst who will positively impact lives, learn more about and contribute to the Fintech industry, and be involved in multiple products, projects, and technologies. The ideal candidate for this role will work with a team of analysts and be responsible for managing the credit risk and developing risk policies and strategies that will reduce credit risk to the business and assist in making profitable credit decisions.

Responsibilities

• Assist the Credit Risk Manager with ideating and implementing group exposure rules
• Assist the Credit Risk Manager in developing and maintaining credit risk strategy
• Set, establish and monitor credit limit structures and policies
• Build scorecards and analytics models
• Manage and monitor credit risk-related projects
• Oversee the modelling of the credit portfolio and its impact on the business
• Develop and manage provisioning model, profitability models and legal transfer models
• Manage bad debt, cash flow and risk forecasting models
• Assist the operations with budgeting models
• Support the use of predictive dialler technology in the Collections Call Centre
• Support Vetting, including fraud management processes
• Actively engage with all other areas of the business
• Use SQL to obtain data from the Data Warehouse
• Analyse the data to answer business questions and solve problems
• Project management to ensure delivery on all projects

Experience & Skills

• A minimum of 5 years’ experience in Credit Risk or related field
• A degree in Mathematics, Statistics, Economics or equivalent BCom, B Bus Sci, B Eng, BSc.
• Good computer literacy skills with a proficiency in MS Excel
• The ability to creatively solve problems
• The ability to interrogate and interpret numerical and statistical information
• Proven experience with scorecards, analytics and portfolio modelling

Advantages:

• Retail Credit experience
• SQL & Microsoft Power BI
• Python/R or equivalent
• Decision engine experience
• IFRS9 experience

Attributes & Behaviors

• Natural curiosity around data and problem solving
• Strong analytical skills and self-motivated driver of performance
• Excellent interpersonal communication (verbal & written), assertiveness and judgment skills
• The ability to simply explain complex solutions
• Strong planning, organizing and coordinating skills
• Performance-driven and results-orientated with a relentless drive to succeed
• The ability to prioritise and multi-task within a fast-paced and pressurised environment
• Exceptional attention to detail with a thorough approach to work
• A strong can-do attitude and an energetic positive approach
• A solid work ethic and a passion for digital Financial Services
• Entrepreneurial by nature
• Must be a team player, but also work well independently
• Must be able to mentor junior analysts

More about the company:

Reciprocity and trust are the foundation of how they work. They believe that everyone shows up every day to do their best work and help one another and their customers. Strong, meaningful relationships underpin their culture and success, and they value authenticity and transparency. They value equity and strive to be fair and balanced. They celebrate their differences and understand that how they contribute positively to the team. They offer a flexible working arrangement and hybrid working.

• They support your professional development through coaching, training and bursaries
• They offer employee wellness and support through their ChoiceCare employee assistance programme
• They offer preferential rates for medical cover and preferred banks
• They love celebrating your milestones with you