Portfolio Analytics Lead - Retail Credit Intelligence

Capitec Ltd; Stellenbosch; On-site; ZAR 700,000 - 950,000; Full time

Job summary

Capitec Ltd seeks a Team Lead: Credit Intelligence Analysis to spearhead a team of analysts in managing an existing credit portfolio. You will guide analytics, predictive modelling and credit strategy to optimise performance and reduce risk.

You will bring 6-8 years' retail credit experience, with strong leadership skills, and demonstrable expertise in SQL analytics and portfolio management. A degree in Finance/Statistics is preferred.

Qualifications

• 6-8 years of retail credit experience, with reduction to 5-7 years for honours.
• At least 3 years' portfolio-specific experience.
• Strong analytics experience in retail credit.
• SQL and descriptive analytics exposure.
• Bachelor's in Finance or Statistics, or a relevant postgraduate qualification (nice to have).
• Demonstrated leadership, coaching and influencing capability.

Responsibilities

• Lead and develop a team of Credit Intelligence Analysts and Specialists.
• Influence portfolio management decisions and credit strategy optimisations.
• Oversee limit decisions, exposure management and recovery strategies.
• Drive portfolio analytics, modelling and pre-delinquency initiatives.

Skills

Retail credit analytics

SQL

Descriptive analytics

Leadership coaching

Portfolio management

Credit strategy

Education

Bachelor's degree in Finance or Statistics

Postgraduate qualification in Finance or Statistics (nice to have)

Job description

Capitec Ltd seeks a Team Lead: Credit Intelligence Analysis to spearhead a team of analysts in managing an existing credit portfolio. You will guide analytics, predictive modelling and credit strategy to optimise performance and reduce risk.

You will bring 6-8 years' retail credit experience, with strong leadership skills, and demonstrable expertise in SQL analytics and portfolio management. A degree in Finance/Statistics is preferred.