Credit Intelligence Analyst II

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

Job summary

Join a leading bank as a Credit Intelligence Analyst in Stellenbosch, where you will leverage your analytical skills in credit risk management. This role involves leading complex analytical projects, developing credit strategies, and mentoring junior team members. Ideal candidates will have a strong background in retail credit analysis and relevant programming skills.

Qualifications

• 4-6 years’ experience in retail credit analysis with programming skills.
• High proficiency in SQL and data visualization.
• Bachelor's degree in Finance or Statistics required.

Responsibilities

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

Skills

Communication Skills

Leadership Skills

Presentation Skills

Reporting Skills

Education

Bachelor's Degree in Finance or Statistics

Tools

SQL

SAS

R

Python

PowerBI

AWS

Azure

Job description

Apply by:

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 clear management plans for each project, 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, as well as descriptive and diagnostic analytics, statistical modeling, and data visualization.

High proficiency with SQL, AWS, Azure, PowerBI, and database management.

In case of 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 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 leading 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.