Analyst, Credit at Standard Bank Group

Job Description

• This role is responsible for delivering effective credit reporting, insights, and analytics for an allocated Vehicle Asset Finance (VAF) retail portfolio. The objective is to support informed business decision-making and enable the development and execution of relevant credit strategies.
• The incumbent will design, enhance, and implement account management strategies, with a focus on pre-scoring of customers, takeover strategies, and continuous portfolio risk assessment. A key aspect of the role includes driving automation of production reports and implementing system and process improvements to support strategic objectives.

Key responsibilities include:

Business Requirements & Analytics

• Analyse and prioritise business reporting and data requests.
• Deliver accurate and meaningful management information (MIS).
• Provide in-depth credit insights to guide strategy and decision-making.
• Develop and enhance reporting solutions using business intelligence tools.
• Design credit decision-making processes through advanced data analysis.

Data Integrity & Process Assurance

• Ensure data accuracy through validation, reconciliation, and quality checks.
• Guide analysts in data extraction, manipulation, and reporting processes.
• Develop and maintain data monitoring frameworks to identify and resolve errors.
• Interpret large, complex datasets into actionable insights.
• Develop SAS code and drive automation of reporting processes.

Stakeholder Management

• Communicate proactively with stakeholders on reporting delivery and timelines.
• Negotiate and manage expectations on new and ongoing requirements.
• Collaborate with operational partners to improve processes and outcomes.

Strategy Development & Reporting

• Support the development and optimisation of acquisition and account management strategies.
• Monitor and evaluate strategy performance through cost-benefit analysis.
• Engage stakeholders on scorecard-driven strategy enhancements.

People Management & Knowledge Sharing

• Manage and develop a team of analysts to deliver on objectives.
• Identify and support development opportunities for team members.
• Share best practices in analytics, data interpretation, and coding.
• Address team performance, including disciplinary and grievance processes where required.

Performance Measures

• Delivery of accurate and timely reporting.
• Effectiveness of acquisition and account management strategies.
• Quality and impact of insights provided.
• Continuous improvement in reporting and analytics processes.

Qualifications

Qualifications

Minimum Requirements:

• Bachelor’s Degree in Mathematical Sciences, IT, or Computer Science.
• 5–7 years’ experience in credit analytics within a banking environment, with a focus on the credit lifecycle.
• Strong experience in data analysis, reporting, and credit risk management.

Preferred Qualifications:

• Honours Degree in Finance, Accounting, or Project Management.
• BSc in Statistics, Actuarial Science, or Financial Engineering.
• Experience in Vehicle Asset Finance (VAF) is advantageous.

Technical Skills:

• Advanced SAS development and coding.
• Strong technical report writing capabilities.
• Experience in developing data-driven strategies.
• Proficiency in data visualisation and business intelligence tools.

Behavioural Competencies:

• Ability to provide meaningful insights and interpret data effectively.
• Strong analytical and problem-solving skills.
• Ability to challenge ideas constructively and think practically.
• Effective communication and stakeholder engagement.
• Team leadership and collaboration capabilities.

Leadership Competencies:

• Driving delivery of results.
• Inspiring team performance.
• Building collaborative relationships.
• Developing team capability.

Additional Information

Behavioural Competencies:

• Adopting Practical Approaches
• Checking Things
• Embracing Change
• Establishing Rapport
• Following Procedures

Technical Competencies:

• Active Listening
• Project Management (Project Mgmt)
• Quant Skills
• Risk Awareness
• Risk Identification