Credit Intelligence Analyst II

Capitec; Stellenbosch; On-site; ZAR 500,000 - 800,000; Full time

Job summary

Join Capitec Bank in Stellenbosch as a Credit Intelligence Analyst. This role offers a unique opportunity to leverage your analytical skills in credit risk management, helping deliver smarter financial solutions. You will lead analytical projects, build statistical models, and guide junior team members in a dynamic environment.

Qualifications

• 4 - 6 years’ experience in retail credit analysis.
• Familiarity with programming languages such as SQL, SAS, R, Python.
• Skills in descriptive and diagnostic analytics, statistical modeling, and data visualization.

Responsibilities

• Lead and guide the delivery of complex analytical output.
• Build and maintain statistical models to inform credit intelligence decision-making.
• Provide guidance and technical oversight to junior team members.

Skills

Communication Skills

Leadership Skills

Presentation Skills

Reporting Skills

Education

Bachelor's Degree in Finance or Statistics

Tools

SQL

SAS

R

Python

PowerBI

Job description

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We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above, finalize your application by clicking apply below.

Purpose Statement

Join Capitec Bank in Stellenbosch as a Credit Intelligence Analyst and be part of an innovative team dedicated to revolutionizing the banking industry. This role offers a unique opportunity to leverage your analytical skills in credit risk management, helping us deliver smarter financial solutions to our clients.

• 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.
• Addressing business problems related to the credit intelligence workstream.
• Building and maintaining statistical models to inform credit intelligence decision-making.
• Evaluating reporting and operations to improve productivity, efficiency, and profitability.
• Providing guidance and technical oversight to junior team members.
• Creating and implementing management plans for projects with transparent communication at all levels.

Experience

Minimum: 4 - 6 years’ experience in retail credit analysis, including familiarity with programming languages such as SQL, SAS, R, Python, and skills in descriptive and diagnostic analytics, statistical modeling, and data visualization.

• High proficiency with SQL, AWS, Azure, PowerBI, and database management.
• If holding an Honours degree: 3 - 5 years’ experience in retail credit analysis, including SQL programming and descriptive analytics.
• Experience in credit intelligence performance and optimization.

Ideal:

• Experience in credit recoveries, external debt collections, debt review environments, FMCG retail.
• Proven ability to manage projects and PoC testing.
• Extensive experience with data visualization.
• High proficiency in technical writing.
• Experience with Capitec banking systems.
• Leadership experience during projects.
• Portfolio-specific experience.

Qualifications (Minimum)

• Bachelor's Degree in Finance or Statistics.

Qualifications (Ideal or Preferred)

• A relevant postgraduate degree in Finance or Statistics.

Knowledge

N/A

Skills

• Communication Skills
• Leadership Skills
• Presentation Skills
• Reporting Skills

Conditions of Employment

• Clear criminal and credit record.

Capitec is committed to diversity; applications to this position will be considered in support of our employment equity goals.