Credit Risk Analyst at TFG (The Foschini Group)

Job Description

• A challenging opportunity has arisen within the Credit Department of TFG Financial Services for a curious, highly motivated individual to drive strategies, provide analytical support and to quantify strategic initiatives in order to drive healthy growth on the TFG credit book.
• This role is required to provide dedicated support to the core activities that drive new account growth and credit turnover. Working as a Credit Growth Analyst, you will have a strong ability to translate data into a story, be able to make recommendations based on findings and be a good team player. You will also need to be numerate with a strong commitment to the improvement of the credit risk strategy.

Responsibilities

• Engage with relevant stakeholders to obtain key related information which may affect the test and/or test outcome
• Develop strategies to grow New Accounts through Direct Marketing Initiatives within legislative framework  
• Providing analytical solutions to complex business problems
• Documentation of analytical processes and results, adhering to agreed documentation standards
• Effective communication and presentation of analytical results and credit-related topics to peers and relevant stakeholders
• Quarterly re-projections of active account growth & turnover
• Profitability tracking and identification of opportunities derived from this
• Data mining of credit bureau and other external data to provide insights and trends
• Extraction and preparation of data for internal development projects as well as outsourced solutions
• Ensuring appropriate statistical methodology and data mining / analytics techniques are applied to any modelling process to deliver and deploy robust and effective models where necessary 
• Model tracking to ensure effective model life cycle management

Qualifications

• A degree in a numerate discipline, preferably Statistics / Mathematics / Operations Research / Engineering (Honours / Masters degree preferable)
• 3–5 years’ experience in a credit risk or credit analyst role
• Knowledge and experience in statistical/data management software packages (SAS/SQL) Enterprise Miner would be advantageous
• Excel experience
• Knowledge of the credit industry and credit life cycle management is preferred
• Hands-on experience of large-scale customer database data interrogation and manipulation would be advantageous
• Experience with data mining and statistical techniques such as logistic regression, decision trees, cluster analysis etc. is preferred 

Skills: 

• Advanced Excel skills
• SAS/SQL data manipulation on large datasets
• Excellent data interpretation skills
• Good strategic and conceptual abilities  
• Advanced problem solving, judgment and self management skills Risk Management
• Ability to make sound, data‑driven decisions in a fast‑moving environment
• Strong analytical and problem-solving skills Physical and Technical Access Management
• Strong communication skills with the ability to engage non-financial stakeholders
• Data Visualization

Behaviours: 

• Collaborates - effectively works with others to achieve shared goals
• Decision Quality - consistently makes timely, well-rounded and informed decisions
• Ensures Accountability - takes accountability and ensures others are held to account on agreed upon performance targets
• Financial Acumen - understands and applies financial concepts and principles to make informed financial decisions  
• Instills trust - inspires trust and gains the confidence of others by displaying honesty and integrity
• Manages Complexity - interprets and simplifies complex and contradictory information when resolving organisational problems
• Optimizes Work Processes - assesses and improves the efficiency, effectiveness, and quality of various work processes
• Organizational savvy - understands and navigates dynamics created by processes, systems, and people