Standard Bank Analyst, Credit Risk Jobs in South Africa

Standard Bank Analyst, Credit Risk Jobs in South Africa

Job Purpose

  • To inform key stakeholders with superior analysis in order to ensure the most efficient allocation of funds within the retail credit environment

  • Manage credit risk and related projects, and work with a team that is responsible for the health of the credit portfolio. You will analyse consumer credit data in order to make informed credit decisions and recommendations

  • Consulting with key stakeholders that have analytical requirements, whilst proactively seeking to optimise the portfolio of customers by identifying and implementing value adding solutions

  • Building collections and/or originations strategy solutions that manage and grow the portfolio within risk appetite.

  • Ongoing creation and optimisation of reporting.

    Key Responsibilities/Accountabilities

  • Creating and implementing risk based strategies within collections and/or originations to ensure portfolio optimisation.

  • Monitoring the quality of the credit portfolio, by creating and evaluating risk reports and investigations.

  • Reviewing and enhancing credit limits to ensure that business exposure levels are met and that products are attractive to the lowest risk customers.

  • Evaluation and optimisation of credit scoring predictive models.

  • Building and evaluating forecast models for future defaults and roll rates.

  • Perform data-oriented ‘‘ad-hoc’ analysis to support business strategy optimization in credit.

  • Use data-oriented approach to work with stakeholders in solving complex business
    problems around profitability, marketing, risk, and operational analysis.

  • Propose test and learn strategies to foster innovation.

  • Understanding the legal and regulatory rules that need to be adhered to in terms of the national credit act and ensuring that these are observed within our risk decisions.

  • Be proactive in Self and Team Development.

    Minimum Qualification and Experience

  • Science degrees (MSc, BSc, B Bus) -Math, Stats, IT, Actuarial Science, Economics, Engineering, Finance.

  • Relevant business related tertiary qualification.

  • SAS / SQL / VBA / Other Coding Languages.

  • Advanced computer literacy skills with a high proficiency in MS Excel, Word and PowerPoint.

  • 1-2 years of experience in an analytical role.

    How to Apply

  • For more information and job application details, see; Standard Bank Analyst, Credit Risk Jobs in South Africa

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