Credit Risk Analyst at RCS

The Role:

• You will be contributing to the management of Credit Risk by providing information and analytical support for the effective monitoring and control of risk exposure for an assigned portfolio.

 
The Responsibilities:

• Producing risk reports as part of the monthly risk reporting processes
• Aligning risk reporting to meet Shareholder requirements
• Performing standard and ad-hoc statistical analysis to investigate trends and support Credit Risk decisions
• Conducting analysis to determine the impact of changes to application and account management strategies
• Presenting ideas via reports and presentations, outlining findings and making recommendations for improvements to business stakeholders
• Investigating data integrity issues, testing assumptions and validating analytical results, ensuring accuracy and sensitivity of findings
• Running statistical models to forecast portfolio risk and monitor trends
• Testing the implementation of strategy changes to live decisioning systems
• Forecasting and monitoring credit market trends using statistical techniques
• Assisting with scorecard monitoring

The Requirements: 

• Relevant Degree

At least 3 years’ experience in the following:

 - Credit risk analysis on lending products
 - Preparation of data-driven credit policy recommendations for senior management
 - Data manipulation and analysis using SAS, SQL or other data analysis tools
 - Bad debt provisioning techniques (advantageous)

• Financial and / or Retail Credit experience – advantageous