Details about position

The ideal candidate for this role will be responsible for running existing credit risk related reports as well as the further analysis of data to determine our customer’s payment performance which will be used for strategic decision-making.

Key Performance Areas (KPAs)

  • Assist with the monitoring of risk-based strategies within acquisition to ensure that only customers with the correct risk levels can purchase
  • Assist with the review and enhancement of the credit limits to ensure the business exposure strategy is met
  • Assist with and maintain strategies for early and late stage collections that ensure that operations department focus on the correct delinquent accounts
  • Maintain and update forecast models for future legal write off and provisions
  • Use data-oriented approach to work with others in solving complex business problems around profitability, marketing, risk, and operational analysis
  • Design experiments and use various test and control strategies for credit operations, analyse results, and build predictive models to forecast future outcomes.
  • Perform data-oriented ‘what if’ and ‘ad-hoc’ analysis to support business strategy optimization in credit operations
  • Keep a close eye on the legal and regulatory rules that need to be adhered to
  • Develop a strong credit risk team by mentoring the less experienced trainee credit risk analysts
  • Monitoring credit quality of new orders as well as the credit portfolio, by reviewing risk reports and findings
  • Assists Credit Risk Manager and Senior Credit Risk Analysts on key projects

 Qualifications & Accreditations

  • Degree with maths / stats / engineering
  • Would benefit from courses in advanced mathematics, computer programming, economics, and operations research

Experience & Skills

  • Minimum of 2 years’ working experience as a credit risk analyst
  • Working knowledge and exposure to:

o    Credit scoring and modelling
o    Collections processes and strategy
o    Legal and write-off forecasting

  • Advanced computer literacy skills with a high proficiency in MS Excel and SQL
  • Project management experience will be advantageous

Attributes & Behaviours

  • Strong analytical skills and self-motivated driver of performance
  • Excellent interpersonal communication (verbal & written), assertiveness and judgment skills
  • 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
  • Entrepreneurial by nature

Overview

Position: Open
Location: Cape Town
Job Title: Junior Credit Analyst
Salary: To be discussed