Credit Risk Analyst

Recruiter:

Communicate Recruitment

Job Ref:

CMF000980/AE

Date posted:

Friday, January 20, 2023

Location:

Johannesburg, South Africa

Salary:

550 000 Annually

JOB SUMMARY:
A giant JSE-listed listed organisation is looking to employ a Credit Risk Analyst to monitor and diagnose benchmarks and trends across financial data, systems and processes. The purpose of this role is to provide data-driven and quantitative analysis that informs credit risk management strategies and processes across the credit life cycle. The focus of this role will be on Account Management.

JOB DESCRIPTION:

Minimum Requirements:

MSc/ BSc (Hons) in Statistics/ Actuarial Science/ Financial Maths/ Applied Maths
At least 1-2 years of experience in relevant field (e.g. behavioural credit scoring, credit risk management processes across the credit life cycle)
Programming capabilities in SAS / R / Python / VBA
Retail banking experience

Performance area criteria:

Develop mathematical and statistical models for risk quantification.
Development and implementation of the high-risk account management strategy, limit increase strategy and forced limit decrease strategy for risk management.
Monitor and run assurance on system functionality than enables the facility structure that is the core component of the credit product.
Provide meaningful insights, trends and recommendations with the objective of informing credit policy and business strategy through analytical methods.
Create business reporting that is of a consistently high quality and standard to inform and/or drive business processes.
Evaluate profitability of current policy / rule sets, generate and evaluate alternatives.
Conduct detailed analytical work with a high level of accuracy in order to deliver high level results to senior management.
Responsible for managing issues through to resolution.
Working with other team members within the Credit Team to ensure:
The management of key stakeholder relationships. (i.e. Product, Credit Ops, EIS, System)
Effective team management to produce results in line with strategy.
Improved processes and a collaborative working culture.

Taking the next step in your career means that you are one step closer to the position you desire. Should you have relative experience, and you meet the necessary requirements, please apply for this role ASAP!

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