Senior Credit Risk Analyst

COMPANY NAME:

Principa

JOB TITLE:

Senior Credit Risk Analyst

LOCATION:

Cape Town (Hybrid)

ABOUT PRINCIPA:
Principa is an international data analytics company based in South Africa. Our data scientists, developers and consultants work together to develop data analytics products and solutions that derive answers, predictions and recommended actions from large and complex data sets for over 150 companies in 30 countries in Africa, Middle East and Europe.

We are experts in using data insights to predict human behaviour and drive optimal outcomes: from identifying the most profitable customers or account holders to target to identifying and targeting your most cost-effective marketing initiative for a defined market segment. Our aim is to turn data into wisdom that enables companies to work wonders.

OUR VALUES:

• Client Value Creation
• Respect For The Individual
• Innovation
• Integrity
• Our People
• Performance

PRIMARY PURPOSE OF THE JOB:

The senior credit risk analyst will lead analytics projects and play a key role in delivering client consulting and analytics projects. You will be responsible for analytical services across the credit life cycle and manage a variety of data science projects, including fraud detection and churn prediction, demand forecasting, and strategy optimisation.

Working with our advisors, you will be jointly responsible for meeting client expectations on projects in relation to results, quality, budgets, and timelines.

Typical assignments will involve applying advanced analytical techniques to extract maximum value from data, constructing data-driven strategies, providing insights, and presenting results with key recommendations.

KEY RESPONSIBILITIES:

• Analytical team leadership and management.
• Analytical team mentorship, guidance, and development.
• Data processing, manipulation, and validation.
• Performance and exclusion analysis.
• Action-effect analysis.
• Feature engineering.
• Predictive model development.
• Optimisation modelling.
• Model validation and testing.
• Implementation and monitoring.
• Credit risk strategy development.
• Investigative analytics.
• Financial and profit modelling.
• Delivery of analytical solutions to clients.
• Provide day-to-day analytical assistance across multiple clients and projects.
• Analyse reports and strategy results.
• Compile professional consulting reports and presentations for delivery to clients.
• Lead and support new product innovation within the analytics team.

KEY REQUIREMENTS:

EDUCATION/QUALIFICATIONS:

• A numerical degree in statistics, operational research, computer science, engineering, mathematics, or related field.

EXPERIENCE:

• At least 2 years in an analytics mentorship role.
• At least 8 years of advanced analytics experience within credit risk management.
• Experience in the consulting industry would be an advantage.

OTHER:

• The position is hybrid, with teams mostly working remotely. We prioritize in-person time for collaboration and will require travel to client sites in South Africa and possibly abroad.

BEHAVIOURAL COMPETENCIES / SKILLS:

• Analytical thought leadership.
• Proven track record in analytical abilities.
• Ability to multi-task, prioritize with a sense of urgency, and work under pressure to tight deadlines.
• Demonstrate a thirst for knowledge and desire to grow and learn.
• Excellent customer service orientation.
• Strong presentation skills.
• Ability to improvise and adapt principles into alternative environments.

TECHNICAL COMPETENCIES / SKILLS:

• Analytical software: good knowledge of SQL, SAS, Python, or other leading statistical software.
• Experience with analytical tools in cloud platforms, including Redshift, BigQuery, Databricks, etc.
• Good knowledge in business insight reporting capabilities.
• A very good working knowledge of new tools and techniques within predictive modelling.

Should you work from home, it is your responsibility to ensure that you have uninterrupted internet connectivity and a ‘work-like’ environment at your home location to deliver your best in terms of performance and productivity.