Junior Credit Analyst at Core Group

Purpose of the Role

• To provide quantitative and qualitative assessments of the financial risk for Customers and Business with the aim of identifying and managing portfolio related credit risks.

What We Offer

• The chance to join a diverse team of passionate individuals and work with the world’s top brands every day.
• A fun and challenging environment that will expand your knowledge and sharpen your skill set.

Key Responsibilities

• Review and analyse credit applications to assess risk.
• Make independent credit decisions within SLA timeframes.
• Conduct regular credit reviews and approvals.
• Interpret and manage credit bureau and customer financial data.
• Monitor customer database, limits, ratings, and exposure levels.
• Suggest risk mitigation measures for consumer finance products in line with company risk philosophy.
• Keep client portfolios current with annual reviews.
• Identify transaction-specific risks including credit, taxation, accounting, and legal.
• Document findings and prepare reports for credit committee review.
• Act as a bridge between risk and business, providing objective assessments with pros and cons.
• Support projects, track progress, and provide data analysis/forecasting where required.
• Work retail hours supporting iStores that will include weekends and public holidays.

Competencies

• Strong analytical skills with the ability to interpret complex data.
• High attention to detail and sound judgement.
• Ability to build strong professional relationships and communicate effectively with different stakeholders.
• Conflict management and negotiation skills to achieve win-win outcomes.
• Proactive problem solver who adapts to changing priorities.
• Ethical, transparent, and objective in all decision-making.
• Able to thrive in a fast-paced, evolving retail environment.
• Can work well independently
• Good time management
• Be reachable during working hours

Qualifications & Experience

• Bachelor’s degree in finance or accounting
• 3–5 years’ experience in credit risk analysis in retail/banking or related environment.
• Solid understanding of the credit lifecycle, including reading and interpreting credit bureau records.
• Proficiency in financial analysis, data interpretation, Risk management and reporting.