Specialist - Credit Innovation Analyst at Absa Group Limited (Absa)

Job Summary

• The Credit Innovation team is responsible for designing and delivering innovative credit solutions across the consumer retail credit value chain. The Credit Innovation Analyst plays a key role in enabling data-driven decision-making by providing deep analytical insights that inform product strategy, customer experience design, and commercial outcomes. 
• This role is ideal for a data-savvy individual passionate about using analytics to shape the future of credit products. You will work closely with the Product Owner/Senior Specialist, Product development and cross-functional teams to uncover opportunities, validate hypotheses, and measure the impact of innovation initiatives.

Job Description

Accountabilities:

Data Analysis & Insight Generation 

• Perform advanced data analysis on customer behavior, product performance, and credit risk metrics. 
• Develop dashboards, reports, and visualizations to support product development and strategic decision-making. 
• Identify trends, patterns, and anomalies in credit data to inform product enhancements and innovation opportunities. 

Product Performance Monitoring 

• Track and report on key product KPIs including uptake, usage, delinquency, and profitability. 
• Conduct post-launch analysis to assess the impact of new features or changes. 
• Support A/B testing and experimentation initiatives with robust data analysis. 

Customer & Market Research 

• Analyze customer segmentation, journey data, and feedback to identify pain points and opportunities. 
• Support market scans and competitor benchmarking using data-driven approaches. 
• Collaborate with UX and design teams to validate customer insights through data. 

Operational & Delivery Support 

• Assist in defining data requirements for new product features and enhancements. 
• Work with technology and data engineering teams to ensure data availability and quality. 
• Support Agile delivery processes by providing timely analytical input during sprints. 

Stakeholder Engagement 

• Present findings and recommendations to internal stakeholders in a clear, actionable format. 
• Collaborate with Risk, Compliance, Finance, and Product teams to ensure alignment on data-driven decisions. 

Qualifications & Experience 

• Bachelor’s degree in Data Science, Statistics, Economics, Finance, or related field. 
• 2–4 years of experience in data analysis, preferably within financial services or credit risk. 
• Proficiency in data tools such as SQL, Python, R, Excel, and visualization platforms (e.g., Power BI, Tableau). 
• Exposure to Agile product development and innovation environments is a plus. 

Core Competencies 

• Strong analytical and problem-solving skills. 
• Ability to translate complex data into clear business insights. 
• Excellent communication and stakeholder engagement abilities. 
• Curious, detail-oriented, and proactive in identifying opportunities. 

Technical & Professional Skills 

• Data Wrangling & Visualization, Statistical Analysis, Credit Risk Metrics, Business Intelligence Tools, A/B Testing, Customer Segmentation, Agile Fundamentals. 

Behavioral Competencies 

• Communicates Effectively, Collaborates, Action-Oriented, Plans and Aligns, Tech Savvy, Manages Ambiguity, Resourcefulness. 

Education

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

End Date: November 3, 2025