Credit Intelligence Analyst II

Capitec Bank Ltd.; Stellenbosch; On-site; ZAR 300,000 - 500,000; Full time

Job summary

A leading financial institution in Stellenbosch is seeking an experienced Credit Analyst to lead credit intelligence initiatives. The ideal candidate will have 4-6 years of retail credit analysis experience, proficiency in SQL, and a Bachelor's or postgraduate degree in Finance or Statistics. This role involves guiding analytical delivery and strategic development to support effective credit management.

Qualifications

• 4 - 6 years’ experience in retail credit analysis.
• In case of Honours degree: 3 - 5 years’ experience in retail credit analysis.
• Experience in assuming a leadership role during a project.

Responsibilities

• Lead delivery of complex analytical output.
• Develop and maintain new credit intelligence strategies.
• Build statistical models to inform credit intelligence decision making.

Skills

Communications Skills

Leadership Skills

Presentation Skills

Reporting Skills

Education

Bachelor's Degree in Finance or Statistics

Relevant post graduate degree in Finance or Statistics

Tools

SQL

SAS

R

Python

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, pleaseclick here!

2. Once you have completed the above finalize your application by clicking apply below.

The role will be based in the Credit Client Account Management team, which oversees existing credit clients and focuses on a wide spectrum of areas across the credit life cycle. Client-first is a tangible experience in this role, and you will be involved with key strategies and client experience initiatives ensuring that clients receive the support they need to manage their credit effectively.

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.

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

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

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06