Retail Credit Analyst: Risk, Decisions & Growth

Core Group ZA; Sandton; On-site; ZAR 400,000 - 600,000; Full time

Benefits offered by this job

Diverse team

Exposure to leading technology brands

Fast-paced retail environment

Credit and risk experience growth

Job summary

iStore is seeking an experienced Credit Analyst to support the assessment and approval of customer finance applications across the iStore retail network. You will review credit applications, assess affordability and financial risk, and make sound credit decisions within agreed turnaround times, with flexibility to work retail hours including weekends and public holidays.

The role requires analytical, decisive and customer-focused individuals who will ensure applications align with credit

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Risk Management or related field.
• 3–5 years’ experience in credit analysis, consumer finance, retail finance, banking or related environment.
• Experience assessing individual consumer credit applications.
• Strong understanding of the full credit lifecycle.
• Experience reading and interpreting credit bureau records.
• Proficiency in data analysis, reporting and Microsoft Excel.
• Experience in a high-volume retail or consumer finance environment would be advantageous.

Responsibilities

• Review and analyse customer finance applications to determine creditworthiness and affordability.
• Make independent credit decisions within required approval limits and service-level timeframes.
• Interpret credit bureau reports, customer financial information and supporting documentation.
• Identify potential credit, affordability, fraud and compliance risks.
• Approve, decline or refer applications in line with company credit policies and risk appetite.
• Clearly document the rationale for all credit decisions.
• Recommend appropriate risk-mitigation measures where required.
• Monitor customer exposure, credit limits, risk ratings and account performance.
• Conduct regular credit reviews and ensure customer information remains accurate and up to date.
• Identify changes in customer risk profiles and elevate concerns where necessary.
• Support the responsible management of the consumer finance portfolio.
• Assist with the identification of trends, risks and potential areas of concern within the portfolio.
• Provide efficient credit decision support to iStore teams across the retail network.
• Work closely with stores and internal stakeholders to resolve application queries and outstanding information.
• Balance responsible credit decision-making with the need to provide a positive customer experience.
• Communicate credit decisions clearly and professionally.
• Provide objective guidance on the risks, benefits and potential implications of applications.
• Support credit-related projects, reporting, data analysis and forecasting where required.

Skills

Data analysis

Excel

Credit assessment

Risk management

Reporting

Communication

Education

Bachelor’s degree in Finance / Accounting / Economics / Risk Management

Job description

iStore is seeking an experienced Credit Analyst to support the assessment and approval of customer finance applications across the iStore retail network. You will review credit applications, assess affordability and financial risk, and make sound credit decisions within agreed turnaround times, with flexibility to work retail hours including weekends and public holidays.

The role requires analytical, decisive and customer-focused individuals who will ensure applications align with credit