Credit Intelligence Analyst (Business Banking)

Capitec Bank; Motherwell; On-site; ZAR 300 000 - 400 000; Full time

Job summary

A financial institution in South Africa is seeking a candidate for a role in credit intelligence. The successful applicant will have end-to-end responsibility for leading analytical projects, developing credit strategies, and guiding junior team members. Candidates should possess a Bachelor's degree in Finance or Statistics and have 4-6 years of relevant experience. Proficiency in SQL, SAS, R, or Python is essential. This position offers an opportunity to impact credit decision-making processes within the organization.

Qualifications

• 4 - 6 years’ experience in retail credit analysis, including SQL, SAS, R, and Python.
• In case of Honours degree: 3 - 5 years’ experience in retail credit analysis.
• Experience in assuming a leadership role during a project.

Responsibilities

• Lead the delivery of complex analytical output.
• Identify and implement new credit intelligence strategies.
• Build and maintain statistical models for decision making.

Skills

Communications Skills

Leadership Skills

Presentation Skills

Reporting Skills

Education

Bachelor's Degree in Finance or Statistics

Post graduate degree in Finance or Statistics

Tools

SQL

SAS

R

Python

Job description

Purpose Statement

Assume end-to-end responsibility for a credit intelligence workstream through:

• Leading and guiding the delivery of complex analytical output.
• Leading the identification, development, implementation and maintenance of new credit intelligence strategies and solutions
• Address business problems relative to credit intelligence workstream.
• Building and maintaining new statistical models to inform credit intelligence decision making.
• Providing guidance and technical oversight to junior team members

Experience

Minimum:

• 4 - 6 years’ experience in retail credit analysis (including programming in SQL / SAS / R / Python, descriptive and diagnostic analytics, statistical modelling, and data visualisation).
• In case of Honours degree: 3 - 5 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
• Credit intelligence performance and optimisation.

Ideal:

• Experience in assuming a leadership role during a project.
• Portfolio specific experience
• Capitec Bank experience

Qualifications (Minimum)

• Bachelor's Degree in Finance or Statistics

Qualifications (Ideal or Preferred)

• A relevant post graduate degree in Finance or Statistics

Knowledge

N/A

Skills

• Communications Skills
• Leadership Skills
• Presentation Skills
• Reporting Skills

Conditions of Employment

• Clear criminal and credit record