Credit Risk Analyst: Bad Debt Management
The Foschini Group
Cape Town North
7d ago

Position Description :

Credit Risk : Bad Debt Management

Credit Risk Analyst : Collections & Recoveries

An exciting opportunity has arisen within the Credit Risk Department of TFG Financial Services for a curious, highly motivated individual to provide analytical support and to quantify strategic portfolio initiatives to help reduce credit risk across the lifecycle.

The successful individual will be supporting senior members of the Credit Risk & Operations teams in order to :

  • Collate and track champion-challenger test results
  • Perform deep-dive analysis using large datasets to help inform business decisions and explain adverse movements in credit portfolio metrics
  • Develop and track forward projections of key risk metrics
  • Formulate and present findings to peers
  • Job description

  • Engage with relevant stakeholders to obtain key related information which may affect the test and / or test outcome
  • Follow the lead from Senior analyst to analyse a specific champion-challenger test in the lifecycle and quantify impact
  • Extraction and preparation of data
  • Provide analytical solutions to complex business problems
  • Documentation of analytical processes and results
  • Effective communication and presentation of analytical results and credit-related topics to peers and relevant stakeholders
  • Ad-hoc and deep-dive analyses relating to portfolio performance, legislative changes, shock events and operational breakages
  • Data mining of credit bureau and other external data to provide insights and trends
  • Ensuring appropriate statistical methodology and data mining / analytics techniques are applied to any modelling process to deliver and deploy robust and effective models where necessary
  • Model tracking to ensure effective model life cycle management
  • To take up this challenging position you should have :

  • A degree in a numerate discipline, preferably Statistics / Mathematics / Operations Research / Engineering (Honours / Master’s degree preferable)
  • Excellent data interpretation skills
  • Advanced problem solving, judgment and self management skills Knowledge and experience in statistical / data management software packages (SAS / SQL) Enterprise Miner would be advantageous
  • Excel experience
  • Knowledge of the credit industry and credit life cycle management is preferred
  • Hands-on experience of large-scale customer database data interrogation and manipulation would be advantageous
  • Experience with data mining and statistical techniques such as logistic regression, decision trees, cluster analysis etc. is preferred
  • Good strategic and conceptual abilities would be advantageous
  • Working as a Credit Risk Analyst, you will have a strong ability to translate data into a story, be able to make recommendations based on findings and be a good team player.

    You will also need to be numerate with a strong commitment to the improvement of the credit risk strategy.

    Preference will be given, but not limited to, candidates from designated groups in terms of the Employment Equity Act.

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