Credit Analyst – Consumer Finance

Core Group ZA; Sandton; On-site; ZAR 400,000 - 600,000; Full time

Benefits offered by this job

Diverse team

Exposure to leading technology brands

Fast-paced retail environment

Credit and risk experience growth

Job summary

iStore is seeking an experienced Credit Analyst to support the assessment and approval of customer finance applications across the iStore retail network. You will review credit applications, assess affordability and financial risk, and make sound credit decisions within agreed turnaround times, with flexibility to work retail hours including weekends and public holidays.

The role requires analytical, decisive and customer-focused individuals who will ensure applications align with credit

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Risk Management or related field.
• 3–5 years’ experience in credit analysis, consumer finance, retail finance, banking or related environment.
• Experience assessing individual consumer credit applications.
• Strong understanding of the full credit lifecycle.
• Experience reading and interpreting credit bureau records.
• Proficiency in data analysis, reporting and Microsoft Excel.
• Experience in a high-volume retail or consumer finance environment would be advantageous.

Responsibilities

• Review and analyse customer finance applications to determine creditworthiness and affordability.
• Make independent credit decisions within required approval limits and service-level timeframes.
• Interpret credit bureau reports, customer financial information and supporting documentation.
• Identify potential credit, affordability, fraud and compliance risks.
• Approve, decline or refer applications in line with company credit policies and risk appetite.
• Clearly document the rationale for all credit decisions.
• Recommend appropriate risk-mitigation measures where required.
• Monitor customer exposure, credit limits, risk ratings and account performance.
• Conduct regular credit reviews and ensure customer information remains accurate and up to date.
• Identify changes in customer risk profiles and elevate concerns where necessary.
• Support the responsible management of the consumer finance portfolio.
• Assist with the identification of trends, risks and potential areas of concern within the portfolio.
• Provide efficient credit decision support to iStore teams across the retail network.
• Work closely with stores and internal stakeholders to resolve application queries and outstanding information.
• Balance responsible credit decision-making with the need to provide a positive customer experience.
• Communicate credit decisions clearly and professionally.
• Provide objective guidance on the risks, benefits and potential implications of applications.
• Support credit-related projects, reporting, data analysis and forecasting where required.

Skills

Data analysis

Excel

Credit assessment

Risk management

Reporting

Communication

Education

Bachelor’s degree in Finance / Accounting / Economics / Risk Management

Job description

About iStore
iStore is the home of everything Apple and Africa’s largest Apple Premium Reseller. With more than 41 physical and online stores across Africa, we provide expert advice, Apple Authorised Repairs, Business and Education solutions, training, and technical support for everything Apple.
About the Role

We are looking for an experienced Credit Analyst to support the assessment and approval of customer finance applications across the iStore retail network.

This role is responsible for reviewing customer credit applications, assessing affordability and financial risk, and making sound credit decisions within agreed turnaround times. As our stores trade seven days a week, the successful candidate must be available to work retail hours, including weekends and public holidays.

The role requires someone who is analytical, decisive and customer-focused, while ensuring that all applications are assessed responsibly and in line with our credit policies and risk appetite.

Key Responsibilities

Credit Assessment and Decision-Making

• Review and analyse customer finance applications to determine creditworthiness and affordability.
• Make independent credit decisions within the required approval limits and service-level timeframes.
• Interpret credit bureau reports, customer financial information and supporting documentation.
• Identify potential credit, affordability, fraud and compliance risks.
• Approve, decline or refer applications in line with company credit policies and risk appetite.
• Clearly document the rationale for all credit decisions.
• Recommend appropriate risk-mitigation measures where required.

Customer and Portfolio Risk Management

• Monitor customer exposure, credit limits, risk ratings and account performance.
• Conduct regular credit reviews and ensure customer information remains accurate and up to date.
• Identify changes in customer risk profiles and elevate concerns where necessary.
• Support the responsible management of the consumer finance portfolio.
• Assist with the identification of trends, risks and potential areas of concern within the portfolio.

Retail and Business Support

• Provide efficient credit decision support to iStore teams across the retail network.
• Work closely with stores and internal stakeholders to resolve application queries and outstanding information.
• Balance responsible credit decision-making with the need to provide a positive customer experience.
• Communicate credit decisions clearly and professionally.
• Provide objective guidance on the risks, benefits and potential implications of applications.
• Support credit-related projects, reporting, data analysis and forecasting where required.
  

Qualifications and Experience

• Bachelor’s degree or relevant qualification in Finance, Accounting, Economics, Risk Management or a related field.
• Three to five years’ experience in credit analysis, consumer finance, retail finance, banking or a related environment.
• Experience assessing individual consumer credit applications.
• Strong understanding of the full credit lifecycle.
• Experience reading and interpreting credit bureau records.
• Sound knowledge of affordability assessments, financial analysis and credit risk principles.
• Experience working within credit policies, approval limits and service-level requirements.
• Proficiency in data analysis, reporting and Microsoft Excel.
• Experience in a high-volume retail or consumer finance environment would be advantageous.

Working hours

This role supports a retail environment and requires flexibility to work:

• Weekends (Rotation, so not every weekend)
• Public holidays where required
• Retail trading hours
• Shifts or scheduled standby periods, where required

What we offer

• The opportunity to join a diverse team of passionate individuals.
• Exposure to one of the world’s leading technology brands.
• A fast-paced and challenging retail environment.
• The opportunity to expand your credit, risk and consumer finance experience.
• A role where your decisions directly support both the customer experience and the responsible growth of the business.

Competencies

• Strong analytical and problem-solving skills.
• Sound judgement and the ability to make confident, objective decisions.
• High attention to detail and accuracy.
• Strong understanding of responsible lending and affordability principles.
• Ability to interpret complex credit and financial information.
• Good verbal and written communication skills.
• Strong time-management and organisational skills.
• Able to work effectively under pressure and manage high application volumes.
• Ethical, transparent and consistent in decision-making.
• Adaptable and comfortable working in a fast-paced retail environment.
• Strong relationship-building and stakeholder-management skills.

Background Checks

Should your application be successful, relevant background checks will be conducted. It will include criminal record, credit, identity, qualification and reference checks.