Senior Credit Risk & Strategy Lead

JVR Software; Wes-Kaap; Sur place; ZAR 900 000 - 1 300 000; Plein temps

Résumé du poste

JVR Software in South Africa seeks a senior Credit Risk Analyst to develop and enhance credit policies and lending strategies, monitor portfolio performance, and drive risk-based pricing and decisioning strategies. You will design experiments and translate insights into actionable business recommendations, while ensuring responsible lending and profitability.

The role requires 5+ years in credit risk, strong SQL/Python skills, and a degree in a quantitative discipline.

Qualifications

• Develop, maintain and enhance credit policies and lending strategies.
• Monitor portfolio performance and identify opportunities to improve credit outcomes.
• Drive risk-based pricing, credit limit and cut-off strategy reviews.
• Design and evaluate credit experiments to optimise profitability and customer performance.
• Analyse repayment behaviour, portfolio trends and emerging credit risks.
• Partner with Data/Technology/Finance/Operations to implement credit strategy improvements.
• Translate analytical findings into practical business recommendations.
• Review provisioning methodologies and portfolio loss performance.
• Present recommendations and portfolio insights to senior stakeholders.
• Ensure responsible lending practices while supporting business growth.

Responsabilités

• Develop, maintain and enhance credit policies and lending strategies.
• Monitor portfolio performance and identify opportunities to improve credit outcomes.
• Drive risk-based pricing, credit limit and cut-off strategy reviews.
• Design and evaluate credit experiments to optimise profitability and customer performance.
• Analyse repayment behaviour, portfolio trends and emerging credit risks.
• Partner with stakeholders across Data, Technology, Finance and Operations teams to implement credit strategy improvements.
• Translate analytical findings into practical business recommendations.
• Review and monitor provisioning methodologies and portfolio loss performance.
• Present recommendations and portfolio insights to senior stakeholders.
• Ensure responsible lending practices while supporting business growth objectives.

Connaissances

SQL

Python

Data analysis

Portfolio analytics

Credit risk management

Credit scoring methodologies

Risk-based pricing

Communication

Formation

Degree in Statistics, Actuarial Science, Mathematics, Economics, Finance or another quantitative discipline

Outils

SQL

Python

Description du poste

JVR Software in South Africa seeks a senior Credit Risk Analyst to develop and enhance credit policies and lending strategies, monitor portfolio performance, and drive risk-based pricing and decisioning strategies. You will design experiments and translate insights into actionable business recommendations, while ensuring responsible lending and profitability.

The role requires 5+ years in credit risk, strong SQL/Python skills, and a degree in a quantitative discipline.