Senior Credit Risk Analyst

A leader in the financial services industry is looking for a Senior Credit Risk Analyst to join them in Cape Town. The credit risk team contributes to finance reporting, provisioning and monthly risk reporting. The successful candidate 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 Executive with ideating and implementing group exposure rules


• Assist the Credit Risk Executive 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 dialer 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

Requirements:

• At least 5 years’ experience in Credit Risk or related field


• A degree in Mathematics, Statistics, Economics or equivalent BCom, B Bus Sci, B Eng, BSc.


• Proven experience with scorecards, analytics and portfolio modelling


• Retail Credit experience


• SQL & Microsoft Power BI


• Python/R or equivalent


• Decision engine experience


• IFRS9 experience

We can’t wait to hear from you!