Senior Specialist: Credit and Risk Decision at Vodacom

Role Purpose

Infinity Services Partner Company is a Managed Services Business, wholly owned by and a fully-fledged subsidiary of Vodacom . Infinity Services Partner Company is looking for a Senior Specialist: Credit and Risk Decision Science.The candidate will be responsible for a number of key (technical) initiatives which impacts multiple areas within the greater Credit and Risk division. Deliverables will include overseeing existing production processes (especially the Working Capital initiatives), advanced programming and statistical modelling. The candidate will also be required to conduct ongoing/proactive monitoring of the Replace post-paid portfolio through the use of advanced analytics in order to identify opportunities in terms of overall improvement (efficiency, cost, etc.) as well as those which will optimize the risk versus reward (revenue) dynamic of the base. The findings/learnings stemming from these activities should be presented (by the candidate) to mid/senior management in order to inform/influence future strategic decisions.  
The mentoring of junior staff members is a key requirement of this role. 
 

Your responsibilities will include:

• Conduct advance analytics and modelling relating to the following business themes within Credit and Risk:
• Credit Vetting – Monitor and analyse Scorecards, Policy Rules and performance data for integrity concerns and opportunity.
• Account Management - Manage the monthly account management processes by engaging with external stakeholders (vendors and credit bureaus), and ensure the overall integrity of the data and processes.
• Working Capital Initiative – Run the monthly collections process for pay over to the respective banks. Assist with any ad hoc analysis/reporting required on this initiative and ensure the overall integrity of the data. Engage with external stakeholders (banks) on an ongoing basis. 
• Bad-Debt Forecasting – generate periodic bad-debt forecast based on the input from Finance. 
• Conduct proactive analysis to mitigate credit risk (i.e. segment deep-dives).
• Recommend credit policy changes based on the insight obtained through advanced analytics. (across the credit life cycle).
• Generate and maintain periodic reports on:
• Credit limits
• Working Capital Initiatives.
• Summarizing findings, developing recommendations and presenting analyses to management in a clear, concise, convincing, and actionable format.

The ideal candidate for this role will have:

• Proficiency in Programming using various Statistical Modelling Packages (SAS, Python, R), with an ability to adapt to new methodologies/applications.
• Working with and querying Big Data (SQL).
• Extensive knowledge of Credit systems in general.
• Effective Communication and Report writing.
• Experience in the design and implementation of reporting dashboards (Shiny / Streamlit) will be an added benefit.
• Mentoring Junior Staff Members.

Must have technical / professional qualifications: 

• Qualification and experience  – 
• Degree in Computer Science (BSc, BCom, BIng), Industrial Engineering (BSc, BIng) or Statistics (BSc, BCom)
• Preferably a post-graduate degree (Honours, Masters) in one of the above fields.
• and/or
• 3-5 years’ experience in quantitative modelling and analytics.
• Extensive programming (Python, R, SAS) and data management (SQL) experience on a technical level