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Senior Credit Risk Analyst

Senior Credit Risk Analyst

Job Title: Senior Credit Risk Analyst
Location: Western Cape
Industry:
Salary: 780000.00
Reference: JN -082016-6557
Job Published: March 14, 2017 13:18

Job Description

Purpose of the role
 
The ideal candidate for this role will work with a team of analysts and be responsible for managing the credit risk, develop risk policies and strategies that will reduce credit risk to the business and assist in making profitable credit decisions.
 
Credit risk policy
•             Develop and maintain credit risk strategy
•             Set, establish and monitor credit limit structures and policies
•             Build scorecards and analytics models
•             Manage and monitor credit risk related projects
 
Portfolio modelling
•             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
 
Operational support
•             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
 
 Business analysis
•             Use SQL to obtain data from the Data Warehouse
•             Analyse the data to answer business questions and solve problems
 
 Project management
•             Ensure delivery on all projects as instructed by the Manager and Director
 
Requirements
Qualifications & Accreditations
•             A numerate degree e.g. BCom, B Bus Sci, B Eng, BSc
 
Experience & Skills
•             Minimum of 4 years experience as an analyst in the credit risk environment
•             Proven experience with scorecards, analytics and portfolio modelling
•             Advanced computer literacy skills with a high proficiency in MS Excel and SQL
•             The ability to integrate and interpret numerical and statistical information
•             Project management experience is essential
 
 Attributes & Behaviours
•             Excellent interpersonal communication, 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

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