- Location
- ZA
- Type
- Full-time
- Seniority
- Senior
- Closing date
- Today
- Source
- Vincere
Description
Joining the Credit Risk team, you will own the monitoring, analysis, and interpretation of key credit risk indicators across the lending portfolio. Your core mission is to help the business achieve its bad-debt and approval (pass-rate) targets while optimising overall portfolio profitability and risk performance. Rather than producing static reports, you will build forecasting models, refine credit vetting and scoring policy, represent the portfolio with credit bureaus on custom scorecards, design champion-challenger strategies, and bring actionable policy and fraud-prevention proposals directly to the Credit Committee.
Profile for Success
- 3-year Degree in a technical, financial, or analytical discipline (an Honours or postgraduate qualification in a numerical or quantitative field is a strong advantage).
- Up to 5 years of analytical credit risk experience within banking, financial services, or retail credit.
- High proficiency in SQL and Python or R for data extraction, portfolio analysis, and statistical modelling.
- Demonstrated experience building and monitoring credit risk models (such as probability of default, loss given default, and exposure at default) and developing or tracking application, limit, or collections scorecards.
- Practical experience designing champion-challenger strategies to test credit cut-off and limit rules.
- Strong communication and risk judgment to translate diagnostic analytics into Credit Committee policy proposals.
Skills
PythonSQL