Credit and Data Analyst

SUMMARY:
Credit and Data Analyst with experience in credit and lending data modeling and analysis needed in a financial services company.

POSITION INFO:

Responsibilities:

• Provide data, analytics and insights that translate the business strategy for Financial Services into Unsecured Credit and Lending products and solutions that are appropriate for the underbanked and underserved consumers of South Africa.
• Support Credit and Lending Propositions with data required for end-to-end Product Lifecycle Management include research, design, development and execution of products and solutions.
• The job will require close interaction with both external and internal including multidisciplinary and multi-skilled teams to research, collect data, provide analytics and insights for the portfolio

Data Analytics and Modelling

• Provide data and analytics required for the Portfolio Risk Appetite and Pricing is in line with

the stipulations of NCA.

• Develop data-driven strategies, facilitate the credit sanctioning process to ensure

responsible risk decisions.

• Data and Systems Management to produce and analyse relevant management information

and insights management.

• Understand the fundamentals of Risk-based Pricing models and be able to support

implementation thereof in the Credit Portfolio.

• Design and develop Provision models appropriate for the Credit Portfolio in accordance with

the Risk Appetite and other relevant credit management principles.

• Understand governance & compliance requirements in line with the regulatory, risk and

compliance landscape of Credit and Lending in SA.

• Support product pricing in accordance with the Risk Appetite, Risk-based Pricing models and

the NCA.

• Establish and manage customer monitoring structures and processes to ensure pricing is

competitive, aligned to the risk appetite and can meet client requirements.

Stakeholder Engagement and Management.

• Provide data and analytics to support the ongoing engagement with relevant stakeholders in

relation to market conduct, risk and compliance requirements.

Reporting and Monitoring

• Ensure adequate and appropriate reporting and monitoring is in place for products and

solutions in the market.

Qualifications

• Minimum - Undergraduate degree in econometrics/ business sciences/finance

Experience

• Minimum 8 years experience in Credit and Lending Data analytics and modelling.
• Minimum 5 years experience in Provision Modelling.
• Minimum 3-5 years of Risk & Compliance exposure in Financial Services.
• Project management experience will be an advantage

The successful applicant must have the following skills:

• Research
• Data modelling and analytics.
• Lending and Credit Products
• Risk Appetite Development and Management
• Provision Models Development and Management
• Networking skills
• Collaboration skills

NB! This job is now closed. You can apply for other jobs by uploading your CV.