Credit Intelligence Analyst II

Capitec Client Care; Stellenbosch; On-site; ZAR 600,000 - 800,000; Full time

Job summary

Join a leading bank as a Credit Intelligence Analyst in Stellenbosch, contributing to innovative credit risk management strategies. This role involves analytical leadership, model development, and project management to enhance financial solutions. Ideal candidates possess strong analytical skills, relevant experience, and a passion for service in the banking industry.

Qualifications

• 4-6 years’ experience in retail credit analysis.
• Familiarity with SQL, SAS, R, Python, and data visualization.
• Bachelor's Degree in Finance or Statistics required.

Responsibilities

• Lead the delivery of complex analytical outputs in credit intelligence.
• Develop and implement new credit intelligence strategies.
• Evaluate reporting and operations for productivity improvements.

Skills

Communications Skills

Leadership Skills

Presentation Skills

Reporting Skills

Education

Bachelor's Degree in Finance or Statistics

A relevant post graduate degree in Finance or Statistics

Tools

SQL

SAS

R

Python

AWS

Azure

PowerBI

Job description

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Date: 24 May 2025

Location: Stellenbosch, Western Cape, ZA

Company: Capitec Bank Ltd

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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:

• To see what life at Capitec is all about and complete a short assessment, please click here!
• 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 relative to the credit intelligence workstream.
• Building and maintaining new statistical models to inform credit intelligence decision-making.
• Evaluate reporting and operations to see where they can improve in terms of productivity, efficiency and profitability.
• Providing guidance and technical oversight to junior team members.
• Create and implement precise management plans for every project, with attention to transparent communication at all levels.
  
  

Experience

Minimum:

4 - 6 years’ experience in retail credit analysis (including familiarity in various programming languages, such as SQL / SAS / R / Python, descriptive and diagnostic analytics, statistical modelling, and data visualization).

• High proficiency with SQL, AWS, Azure, PowerBI and database management
• In case of Honours degree: 3 - 5 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
• Credit intelligence performance and optimizatio
  
  

Ideal

• Experience in credit recoveries, external debt collections, debt review environment, 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
• Experience in assuming a leadership role during a project.
• Portfolio-specific 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
  
  

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

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