Discovery Connect -Credit Business Analyst - KZN (Park Square) at Discovery Limited

• This position is based in the Discovery Connect Sales call centre, The Credit Analyst will act as a vital intermediary between DC sales agents and clients, ensuring seamless communication and resolution of credit-related issues. This role involves challenging declined credit applications, managing Income Verification and Add document requests, manually assessing credit applications, and resolving stuck applications. The Credit Analyst will utilize their analytical skills to evaluate creditworthiness, mitigate risks, and maintain compliance with relevant regulations and company policies. Effective communication and problem-solving abilities are essential to succeed in this role

Key purpose

• To achieve targets that will grow Discovery bank. Build the brand and ensure that clients engage our range of products and benefits and experience our shared value offering and get client to bank healthier.

Key Outputs

The successful individual will be required to perform on, but not limited to the following key outputs:

• Performs the role aligned to the credit risk policy and the credit standard.
• Evaluates, reviews and assess clients credit data and financial statements to determine the degree of risk involved in lending money.
• Determines the risk of default to the bank by assessing credit history, repayment history and credit scoring and infusion of third-party data.
• Assesses and make decisions about customer credit applications using a range of criteria including credit viability, customer payment history and customer creditworthiness.
• Assists in continuous improvements of the credit lending processes to ensure the best customer experience within a digital banking environment.
• Assists in making recommendations about procedural and or policy changes for the digital banking environment.
• Interlinks with all stakeholders in relation to disputes, enquiries, escalations, and referrals to ensure all cases are addressed with TAT
• Manages exceptions and deviations from the bank risk framework.
• Works within the mandates and credit limits approved by the bank to ensure proper credit sanctioning
• Facilitates credit administration to ensure applicants are addressed.

Personal attributes and skills

The successful individual will be required to demonstrate the following competencies:

• Target Driven
• Team Player
• Goal orientated
• Self-motivated
• Ability to perform under pressure
• Adapt to change
• Persuasiveness
• Resilience/Tenacity
• Sound Time Management
• Self-managed
• Attention to detail
• Ability to learn quickly and apply knowledge
• Speak fluently (accent neutral) English/Afrikaans
• PC literacy, email, word, excel

Qualification & Experience

Essential

• Matric
• At least 2-years banking experience, preferably in a credit department

Advantageous

• Discovery Bank Knowledge
• Tertiary qualification (Financial Planning/ Information)
• NQF5/National Certificate: Banking NQF level 5 and RE5 qualification