Credit Risk Analyst

About the position

Credit Risk Analyst - Unsecured Credit

About Position

An established South African retail and financial services organisation is looking for a Credit Risk Analyst - Unsecured Credit to join its Customer Management Services team.
The successful candidate will play a key role in developing and enhancing credit risk strategies across unsecured lending products, including Cash Loans and Revolving Loans.

Key responsibilities will include:

• Developing and implementing acquisition credit risk policies and credit limit calculations
• Analysing and improving existing credit risk strategies
• Designing and executing A/B testing strategies
• Developing exposure management rules based on customer performance
• Building and applying credit risk scorecards and risk strategies
• Producing regular and ad-hoc risk monitoring and analytical reports
• Working closely with Project Managers, Business Analysts, IT, Marketing and Collections teams
• Providing analytical input to optimise operational and credit-related decision-making
• Supporting and mentoring junior analysts

Requirements

• Bachelor's degree in Mathematics, Statistics or a related quantitative discipline
• Strong analytical and problem-solving ability
• Experience working with credit risk scorecards and analytical models would be advantageous
• Exposure to the credit lifecycle, including acquisition, account management, marketing and collections, would be advantageous
• Proficiency in at least one analytical or programming tool such as SQL, Python, R or SAS
• Strong attention to detail and a structured, methodical approach to work

Desired Skills:

• Credit Risk Analytics
• Credit Risk Management
• SAS/SQL
• Credit risk
• Risk Analytics
• Consumer Lending
• Basel II

Desired Work Experience:

• 5 to 10 years

Desired Qualification Level:

• Degree

About The Employer:

Our client is a well-established South African retail organisation with a significant national footprint and a strong presence in consumer credit.
The business operates in a highly data-driven environment where customer behaviour, credit performance and risk analytics play an important role in commercial decision-making.
This opportunity sits within the organisation's Customer Management Services function and offers exposure to large-scale consumer credit portfolios, credit strategy development, customer analytics and cross-functional projects.
The successful candidate will join an established team and work closely with stakeholders across Credit Risk, Marketing, Collections, IT and Business Analysis, providing an excellent environment for someone looking to deepen their expertise in consumer credit risk and analytics.