Senior Credit Risk Analyst at Standard Bank Group

• To inform key stakeholders with superior analysis in order to ensure the most efficient allocation of funds within the retail credit environment
• Manage credit risk and related projects, and work with a team that is responsible for the health of the credit portfolio. You will analyse consumer credit data in order to make informed credit decisions and recommendations
• Consulting with key stakeholders that have analytical requirements, whilst proactively seeking to optimise the portfolio of customers by identifying and implementing value adding solutions
• Building collections and/or originations strategy solutions that manage and grow the portfolio within risk appetite
• Ongoing creation and optimisation of reporting

Key Responsibilities/Accountabilities

• Creating and implementing risk based strategies within collections and/or originations to ensure portfolio optimisation
• Monitoring the quality of the credit portfolio, by creating and evaluating risk reports and investigations
• Reviewing and enhancing credit limits to ensure that business exposure levels are met and that products are attractive to the lowest risk customers
• Evaluation and optimisation of credit scoring predictive models
• Building and evaluating forecast models for future defaults and roll rates
• Perform data-oriented ‘‘ad-hoc’ analysis to support business strategy optimization in credit
• Use data-oriented approach to work with stakeholders in solving complex business problems around profitability, marketing, risk, and operational analysis
• Propose test and learn strategies to foster innovation
• Understanding the legal and regulatory rules that need to be adhered to in terms of the national credit act and ensuring that these are observed within our risk decisions
• Be proactive in Self and Team Development

Preferred Qualification And Experience

• Science degrees (MSc, BSc) -Math, Stats, IT, Actuarial Science, Economics, Engineering
• Relevant business related tertiary qualification
• SAS / SQL / VBA / Other Coding Languages
• Advanced computer literacy skills with a high proficiency in MS Excel, Word and PowerPoint
• 3-4 years of experience in an analytical role

Knowledge/Technical Skills/Expertise

• Strong analytical skills and self-motivated driver of performance
• Performance-driven and results-orientated with a relentless drive to succeed
• Excellent interpersonal communication (verbal & written) abilities
• The ability to prioritise and multi-task, within a fast-paced and pressurised environment
• Strong planning, organizing and coordinating skills
• Exceptional attention to detail with a thorough approach to work
• An energetic positive approach to problem solving
• Positive assertiveness