Senior Actuarial Analyst

SUMMARY:
Own the analytics engine behind South Africa’s debt review (DR) performance. This role is ideal for an analytics leader who thrives on turning complex lifecycle data into predictive insight, sharper workflows, and measurable collections uplift. You’ll build a single source of truth across Active DR, Pre-Termination, and Terminated DR (TDR), translating data into real operational and financial impact.

POSITION INFO:
You’ll join a specialist credit and collections business where data drives strategy and execution. The organisation operates at the intersection of regulation, analytics, and collections, partnering closely with Debt Counsellors (DCs), Payment Distribution Agencies (PDAs), and recovery teams to optimise outcomes across the full debt review lifecycle. This is an environment that values innovation, accountability, and commercially driven insight.

Key Responsibilities:

• Analyse Active DR, Pre-Term, and TDR portfolios to model payer behaviour, payment consistency, drop-off risk, cure potential, and lifecycle value
• Build and own portfolio segmentation, DC/PDA performance views, cohort analysis, seasonal trends, KPIs, yield forecasts, and reinstatement metrics
• Map end-to-end debt review workflows (Acquisition → DC → PDA → Collections → Distribution) and identify optimisation opportunities
• Design and maintain a predictive modelling suite to support operational and commercial decisions
• Develop a Termination Decision Framework using NPV, break-even, ROI, and sensitivity analysis
• Establish daily, weekly, and monthly BI reporting and mandate-level dashboards covering yield, ageing, reinstatements, and settlement uplift
• Partner with operational and senior stakeholders to translate analytics into execution-ready playbooks

• Bachelor’s degree in Statistics, Data Science, Mathematics, Actuarial Science, Economics, or Computer Science
• Honours or Master’s degree advantageous

• Minimum of 5+ years’ experience in credit or collections analytics, preferably within debt review or regulated environments
• Proven delivery of predictive models and operational optimisation initiatives
• Demonstrated ability to convert analytical insight into measurable financial and operational outcomes

• Advanced SQL
• Python or R for modelling and statistical techniques (segmentation, survival analysis, propensity modelling)
• Strong financial modelling capability (NPV, profitability, amortisation, ROI, sensitivity analysis)
• BI reporting and dashboard development across daily, weekly, and monthly cadences
• End-to-end process mapping and workflow optimisation across DCs, PDAs, and post-termination recovery

• Strong understanding of the National Credit Act (NCA), debt review processes, PDAs, and DC behaviour
• Ability to influence operations and senior stakeholders with clear, confident communication
• Proven ability to turn analytics into execution through practical guardrails, playbooks, and measurable performance lift