Credit Analytics Analyst II — Data-Driven Risk & Strategy

Capitec Bank Limited; Stellenbosch; Remote; ZAR 350,000 - 650,000; Full time

Job summary

Capitec Bank Limited is seeking an energetic Data Analyst II who can turn complex data into meaningful insights to understand and optimise credit portfolio performance.

This hands-on role requires comfort with large datasets, complex SQL, and translating findings into clear recommendations for business stakeholders. You will build dashboards, monitor portfolio stability and collaborate with cross-functional teams to drive data-driven decisions.

Qualifications

• Experience in data analysis within banking, financial services or credit risk.
• Strong problem-solving skills with ability to translate data into actionable insights.
• Advanced SQL capability with large datasets; ability to optimize queries.

Responsibilities

• Analyse credit and portfolio performance to identify trends and drivers.
• Investigate anomalies in arrears, collections, recoveries and impairments.
• Extract, manipulate and analyse large datasets using SQL.
• Build and maintain dashboards and regular performance reporting.
• Present findings to stakeholders across credit, risk and senior management.

Skills

data analysis

stakeholder engagement

problem solving

communication

curiosity

attention to detail

Education

Bachelor's Degree in Analytical/Data/Technical or Other

Honours Degree in Analytical/Data/Technical or Other

Tools

SQL

Python

R

Power BI

Tableau

Excel VBA

Job description

Capitec Bank Limited is seeking an energetic Data Analyst II who can turn complex data into meaningful insights to understand and optimise credit portfolio performance.

This hands-on role requires comfort with large datasets, complex SQL, and translating findings into clear recommendations for business stakeholders. You will build dashboards, monitor portfolio stability and collaborate with cross-functional teams to drive data-driven decisions.