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Credit Risk Analyst

Remuneration:Market related 
Location:Cape Town, Southern suburbs
Job level:Mid
Job policy:Employment Equity position
Type:Permanent
Reference:#HCH-1510
Company:HomeChoice


Job description

Do you have the drive and passion to be responsible for running existing credit risk related reports as well as the further analysis of data in order to determine our customer's payment performance which will be used for strategic decision-making?  If yes - then apply now

Here's what you can expect to be doing in the role
  • Assist with the monitoring of risk based strategies within acquisition to ensure that only customers with the correct risk levels are allowed to purchase
  • Running existing report to be used in executive information packs
  • Assisting operational departments with operational reporting
  • Monitoring key metrics and interpreting findings
  • Assist with the review and enhancement of the credit limits to ensure the business exposure strategy is met
  • Assist with and maintain strategies for early and late stage collections that ensure that operations department focus on the correct delinquent accounts
  • Maintain and update forecast models for future legal write off and provisions
  • Use data-oriented approach to work with others in solving complex business problems around profitability, marketing, risk, and operational analysis
  • Design experiments and use various test and control strategies for credit operations, analyse results, and build predictive models to forecast future outcomes.
  • Perform data-oriented ‘what if’ and ‘ad-hoc’ analysis to support business strategy optimization in credit operations
  • Develop a strong credit risk team by mentoring the less experienced trainee credit risk analysts   
  • Assists Credit Risk Manager and Senior Credit Risk Analysts on key projects


    Requirements

    A little about who you are 
    • Numerate degree (BSc, BCom, B Bus Sci, B Eng.)
    • Would benefit from courses in advanced mathematics, computer programming, economics, and operations research
    • Minimum of two years' working experience as a credit risk analyst
    • Working knowledge and exposure to processes such as banking or retail credit
    • Strong willingness to learn
    • Ability to critically analyse and problem solve
    • Be able to review own work with attention to detail
    • Advanced computer literacy skills with high proficiency in MS Excel, SQL or SAS
    • Project management experience will be advantageous
      Benefits 
      • Flexible benefits to structure your own package
      • Creative agile work environment
      • Flexible working hours
      • Café and lounge area
      • Staff restaurant with a variety of healthy meal options


        Posted on 10 Jan 10:55



        Home Choice

        The HomeChoice Group is a leading credit-based direct marketing retailer selling homeware merchandise and financial services to the expanding urban middle-income mass market in southern Africa.

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