Credit Risk Analyst - HomeChoice (Southern Suburbs) Company Name HomeChoice at HomeChoice Holdings Limited

• Assist with the monitoring of risk based strategies within acquisition to ensure that only customers with the correct risk levels are allowed to purchase
• Running existing report to be used in executive information packs
• Assisting operational departments with operational reporting
• Monitoring key metrics and interpreting findings
• Assist with the review and enhancement of the credit limits to ensure the business exposure strategy is met
• Assist with and maintain strategies for early and late stage collections that ensure that operations department focus on the correct delinquent accounts
• Maintain and update forecast models for future legal write off and provisions
• Use data-oriented approach to work with others in solving complex business problems around profitability, marketing, risk, and operational analysis
• Design experiments and use various test and control strategies for credit operations, analyse results, and build predictive models to forecast future outcomes.
• Perform data-oriented ‘what if’ and ‘ad-hoc’ analysis to support business strategy optimization in credit operations
• Develop a strong credit risk team by mentoring the less experienced trainee credit risk analysts   
• Assists Credit Risk Manager and Senior Credit Risk Analysts on key projects

Requirements

A little about who you are 

• Numerate degree (BSc, BCom, B Bus Sci, B Eng.)
• Would benefit from courses in advanced mathematics, computer programming, economics, and operations research
• Minimum of 2 years' working experience as a credit risk analyst
• Working knowledge and exposure to processes such as banking or retail credit
• Strong willingness to learn
• Ability to critically analyse and problem solve
• Be able to review own work with attention to detail
• Advanced computer literacy skills with a high proficiency in MS Excel, SQL or SAS
• Project management experience will be advantageous

Benefits 

• Flexible benefits to structure your own package
• Creative agile work environment
• Flexible working hours
• Café and lounge area
• Staff restaurant with a variety of healthy meal options