Junior Credit Risk Analyst

Company : HomeChoice
Location :Cape Town, South Africa
Job Type : Full-Time
Date listed: 13 September 2018

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Job Description

Key Performance Areas (KPAs)

  • Assist with the monitoring of risk-based strategies within acquisition to ensure that only customers with the correct risk levels are allowed to purchase
  • 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 optimisation in credit operations
  • Keep a close eye on the legal and regulatory rules that need to be adhered to
  • Develop a strong credit risk team by mentoring the less experienced trainee credit risk analysts   
  • Monitoring credit quality of new orders as well as the credit portfolio, by reviewing risk reports and findings
  • Assists credit risk manager and senior credit risk analysts on key projects


Qualifications and accreditations

  • Degree with maths/stats/engineering
  • Would benefit from courses in advanced mathematics, computer programming, economics, and operations research

Experience and skills

  • Minimum of two years' working experience as a credit risk analyst
  • Working knowledge and exposure to:
  • Credit scoring and modelling
  • Collections processes and strategy
  • Legal and write-off forecasting
  • Advanced computer literacy skills with a high proficiency in MS Excel and SQL
  • Project management experience will be advantageous

Attributes and behaviours

  • Strong analytical skills and self-motivated driver of performance
  • Excellent interpersonal communication (verbal and written), assertiveness and judgment skills
  • Strong planning, organising and coordinating skills
  • Performance-driven and results-orientated with a relentless drive to succeed
  • The ability to prioritise and multi-task within a fast-paced and pressurised environment
  • Exceptional attention to detail with a thorough approach to work
  • A strong can-do attitude and an energetic positive approach
  • Entrepreneurial by nature

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Closing date: 2018-09-23 | Date listed: 2018-09-13 05:48:41 | INTERN | Location : Cape Town South Africa