Western Cape: Credit Risk Manager posted by Network Finance

JVR Software; Wes-Kaap; On-site; ZAR 900,000 - 1,300,000; Full time

Job summary

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.

Responsibilities

• 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.

Skills

SQL

Python

Data analysis

Portfolio analytics

Credit risk management

Credit scoring methodologies

Risk-based pricing

Communication

Education

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

Tools

SQL

Python

Job description

• 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.

Minimum Requirements

Qualifications

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

Key Responsibilities

• 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.

Minimum Requirements

Qualifications

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

• 5+ years' experience within Credit Risk.
• Proven experience in consumer lending or retail credit environments.
• Strong exposure to credit strategy, credit policy and portfolio management.
• Experience managing:
• Credit limits
• Scorecard cut-offs
• Risk-based pricing
• Credit decisioning strategies
• Portfolio performance monitoring
• Previous experience conducting credit strategy testing and experimentation would be advantageous.

Technical Skills

• Advanced SQL and/or Python skills.
• Strong data analysis and modelling capabilities.
• Experience working with large datasets.
• Solid understanding of:
• Credit risk management
• Portfolio analytics
• Credit scoring methodologies
• Risk-based pricing
• Profitability optimisation

The ideal candidate will demonstrate:

• Strong commercial acumen.
• Excellent analytical and problem-solving abilities.
• Ability to influence and engage senior stakeholders.
• Strong communication and presentation skills.
• Strategic thinking coupled with strong attention to detail.
• Ability to work in a fast-paced and evolving environment.
• Collaborative approach with a strong team orientation.