Senior Credit Risk Analyst

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

To perform the identification, development, implementation and maintenance of credit risk strategies which are aimed at enabling sustainable growth of the dedicated book. In-depth analysis to optimise new business performance, policy rules, score cut-offs, affordability assessments and credit limits to drive improvements that directly impact core business metrics such as risk appetite and profitability.Deliver ad-hoc, indepth analyses and business intelligence reports (BI) to support business decisions and drive changes needed to maintain risk appetite levels, helping guide the evolution of performance monitoring.Initiate actionable insights, collaborate with team members and execute strategies efficiently and effectively.Assessment and optimization of end-to-end Lending application process, aiming to improve and deliver on positive customer experience and addressing customer need.

• Completed Matric
• A degree in a quantitative discipline such as Mathematical Statistics or Finance

Experience 

• 3-4 years
• The role requires experience in a credit risk or related analytical environment, where credit risk experience in Originations and/or account scorecard monitoring, account management and collections would be advantageous.

Behavioural Competencies

• Attention to detail : A strong focus on accuracy and precision, ensuring that all credit risk assessments and models are thorough and reliable
• Analytical Thinking: The ability to break down complex problems, gather and analyze relevant data, and make well-informed decisions.
• Producing a high standard of output: Is focused on activity and works quickly; keeps busy and maintains productivity; is comfortable multi-tasking to produce output
• Collaborative problem solving: Strong communication and relationship building skills to create, foster and leverage from other’s experience and knowledge.
• Proactive and driving your own initiative: Displaying a keen initiative to identify and solve for areas of opportunity to improve business performance. 

Technical Competencies:

• Strong understanding of credit risk principles, credit policy and risk appetite frameworks
• Experience in retail credit risk management
• Familiarity with credit scoring models
• Proficient in statistical software packages such as SAS (preferred), Python and R.
• Data sourcing, development of end-to-end report production
• Strong excel skills and application knowledge (pivot tables, advanced functions, VBA desirable)