Junior Credit Analyst

Core Group; Sandton; On-site; ZAR 300,000 - 500,000; Full time

Job summary

Core Group, leader dans la vente au détail Apple, recherche un Analyste de Risque de Crédit pour évaluer et gérer les risques de crédit des clients. Ce poste exige une expertise en analyse financière et un diplôme en finance. L'environnement de travail dynamique offre une excellente opportunité de croissance professionnelle.

Benefits

Opportunité de croissance exceptionnelle

Environnement de travail stimulant

Qualifications

• 1-3 ans d'expérience en analyse des risques de crédit dans le commerce de détail/bancaire.
• Capacité à interpréter et présenter des données complexes.
• Expérience avérée dans la gestion d'une équipe d'analystes de crédit.

Responsibilities

• Gérer les limites de prêt et prendre des décisions de crédit.
• Conduire des revues de crédit et des approbations.
• Documenter les résultats et faire des rapports au comité de crédit.

Skills

Communication

Négociation

Analyse financière

Gestion de projet

Résolution de problèmes

Education

Bachelor’s degree in Finance, Economics, or a related field

Job description

iStore is the home of everything Apple, and Africa’s largest Apple Premium Reseller. With a retail footprint of more than 33 physical and online stores across Africa, it provides expert advice, Apple Authorised Repairs, Business, Education, training, and technical support for anything and everything Apple.

Purpose: To provide quantitative and qualitative assessments of the current and forecast financial strength of a portfolio of Business to Customer and Business to Business clients, with the aim to identify portfolio-related credit risks.

What We Offer:

• Exceptional growth opportunity within an Entrepreneurial Business Unit
• Join a diverse team of passionate individuals and work with the world's top brands every day
• Fun and challenging environment that promises to expand and grow your skill set

Responsibilities:

• Manage lending limits
• Make credit decisions independently within SLA timeframes
• Conduct credit reviews and credit approvals
• Manage the customer database and provide input regarding limits, ratings, and Loss Given Default (LGD)
• Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the company
• Manage credit risk appetite (limits) by scrutinizing current portfolio exposures
• Keep portfolio current by reviewing at least once in a 12-month period
• Identify transaction-specific risks including credit, taxation, accounting, and legal
• Document findings and report to the credit committee
• Act as a bridge between risk and business on contentious issues
• Remain objective and present both arguments and pros and cons
• Forecast and analyze financials and collate and model data (where required)
• Participate in meetings with senior stakeholders
• Project management: track progress, manage expectations, and ensure stakeholders’ requirements are delivered
• Ability to work in a retail-style environment

Competencies:

• Build and maintain professional relationships with stakeholders, demonstrating excellent communication, negotiation, and influencing skills
• Preserve relationships despite conflicting views and seek mutual gains
• Anticipate consequences and adapt problem-solving based on feedback
• Resolve problems, queries, and complaints promptly
• Adapt communication styles to different audiences
• Plan and manage workflow, prioritize tasks, and meet deadlines
• Stay updated with legislation and new developments
• Maintain a positive attitude and respond openly to feedback
• Work effectively in a fast-paced, evolving environment while managing multiple tasks
• Take ownership of personal career development
• Act ethically, transparently, and responsibly, including reporting unethical practices
• Share, debate, and communicate learnings regularly

Qualifications & Experience:

• Bachelor’s degree in Finance, Economics, or a related field
• Ability to interpret and present complex data clearly to support decision-making
• 1-3 years’ experience in credit risk analysis within retail/banking, with comprehensive credit lifecycle knowledge
• Proven experience managing a team of credit analysts
• Detail-oriented and able to work independently

Note: At Core Group, we value in-person collaboration to drive innovation, teamwork, and excellence. We have transitioned back to a full-time office environment to foster a dynamic and engaging workplace where teams can connect, collaborate effectively, and achieve outstanding results.