About the role
Introduction
Permanent | Cape Town | Hybrid
A South African retailer is seeking a Credit Risk Analyst to take hands-on ownership of an unsecured lending portfolio spanning cash and revolving loans. The focus is practical credit strategy, portfolio performance and end-to-end credit lifecycle management, rather than a primarily model-development or data-science role.
Role Responsibilities
Develop and improve acquisition credit policies, credit limits and exposure management rules using customer performance data.
Monitor portfolio performance across acquisition, account management, collections, recoveries and write-offs, identifying risks, mitigations and responsible growth opportunities.
Take accountability for portfolio-related processes, including outsourced activities, and translate analytical findings into practical action.
Implement and monitor credit strategies and bureau scorecards; design and execute A/B tests to evaluate changes.
Produce regular and ad-hoc analytical reports and communicate recommendations clearly to stakeholders.
Work with project managers, business analysts and technology teams to implement and test credit solutions.
Advise Marketing and Collections teams and support the development of junior analytical capability as the team grows.
Experience Requirements
Strong quantitative analysis, data querying and problem-solving skills, with the ability to translate findings into credit decisions and operational improvements.
Relevant credit risk and portfolio management experience; exposure across the credit lifecycle is advantageous.
Programming proficiency in SQL, Python, R or SAS. The current environment uses SAS; candidates with transferable programming capability are encouraged to apply.
Understanding of credit scorecards and risk strategies. Scorecard development, machine learning or data-science experience is advantageous, not the primary focus of the role.
Hands-on ownership, attention to detail and the ability to manage priorities and deliver with accountability.
Clear communication and relationship-building skills, with leadership capability or potential to grow into a management role as the portfolio and team develop.
Education Requirements
A bachelor’s degree in a STEM field is essential.