Specialist - Credit Innovation Analyst

Absa Group; Johannesburg; On-site; ZAR 400 000 - 550 000; Full time

Job summary

A leading financial institution in Johannesburg is seeking a Credit Innovation Analyst to enhance their credit solutions using data-driven insights. The ideal candidate will have a relevant degree and 2-4 years of experience in data analysis, particularly in financial services. Responsibilities include analyzing customer behavior, creating dashboards, and monitoring product performance. This position offers a unique opportunity to be part of an innovative team in a dynamic environment.

Qualifications

• 2–4 years of experience in data analysis, preferably within financial services or credit risk.
• Exposure to Agile product development and innovation environments is a plus.

Responsibilities

• Perform advanced data analysis on customer behavior and product performance.
• Develop dashboards and reports to support strategic decision-making.
• Track and report on key product KPIs including uptake and delinquency.
• Present findings and recommendations to internal stakeholders.

Skills

Data analysis

SQL

Python

R

Excel

Power BI

Tableau

Credit risk metrics

Customer segmentation

Education

Bachelor’s degree in Data Science, Statistics, Economics, Finance, or related field

Job description

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary

The Credit Innovation team is responsible for designing and delivering innovative credit solutions across the consumer retail credit value chain. The Credit Innovation Analyst plays a key role in enabling data-driven decision-making by providing deep analytical insights that inform product strategy, customer experience design, and commercial outcomes.

This role is ideal for a data-savvy individual passionate about using analytics to shape the future of credit products. You will work closely with the Product Owner/Senior Specialist, Product development and cross-functional teams to uncover opportunities, validate hypotheses, and measure the impact of innovation initiatives.

Job Description

Accountabilities

Data Analysis & Insight Generation

• Perform advanced data analysis on customer behavior, product performance, and credit risk metrics.
• Develop dashboards, reports, and visualizations to support product development and strategic decision-making.
• Identify trends, patterns, and anomalies in credit data to inform product enhancements and innovation opportunities.

Product Performance Monitoring

• Track and report on key product KPIs including uptake, usage, delinquency, and profitability.
• Conduct post-launch analysis to assess the impact of new features or changes.
• Support A/B testing and experimentation initiatives with robust data analysis.

Customer & Market Research

• Analyze customer segmentation, journey data, and feedback to identify pain points and opportunities.
• Support market scans and competitor benchmarking using data-driven approaches.
• Collaborate with UX and design teams to validate customer insights through data.

Operational & Delivery Support

• Assist in defining data requirements for new product features and enhancements.
• Work with technology and data engineering teams to ensure data availability and quality.
• Support Agile delivery processes by providing timely analytical input during sprints.

Stakeholder Engagement

• Present findings and recommendations to internal stakeholders in a clear, actionable format.
• Collaborate with Risk, Compliance, Finance, and Product teams to ensure alignment on data-driven decisions.

Qualifications & Experience

• Bachelor’s degree in Data Science, Statistics, Economics, Finance, or related field.
• 2–4 years of experience in data analysis, preferably within financial services or credit risk.
• Proficiency in data tools such as SQL, Python, R, Excel, and visualization platforms (Power BI, Tableau).
• Exposure to Agile product development and innovation environments is a plus.

Core Competencies

• Strong analytical and problem-solving skills.
• Ability to translate complex data into clear business insights.
• Excellent communication and stakeholder engagement abilities.
• Curious, detail-oriented, and proactive in identifying opportunities.

Technical & Professional Skills

• Data Wrangling & Visualization, Statistical Analysis, Credit Risk Metrics, Business Intelligence Tools, A/B Testing, Customer Segmentation, Agile Fundamentals.

Behavioral Competencies

• Communicates Effectively, Collaborates, Action-Oriented, Plans and Aligns, Tech Savvy, Manages Ambiguity, Resourcefulness.

Education

Bachelor's Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised.