Job Description

Our client is a major South African retail credit and financial-services group operating high-volume consumer lending products across the country. Credit risk analytics sits at the heart of the business: every adjustment to scoring policy, cut-offs, limits, and provisioning directly shapes portfolio profitability and bad-debt performance across a large active customer base.

Performance Objectives for Year One

1. Design and maintain core credit and forecasting models: Build and refine provisioning, profitability, bad-debt, and cash-flow forecasting models, along with risk parameters (such as PD, LGD, and EAD), to give leadership accurate visibility of portfolio performance.
2. Optimise credit vetting, scorecards, and bureau partnerships: Continually evaluate and adjust credit vetting and scoring policy, and represent the business analytically with credit bureaus on custom application, limit, and collections scorecard developments.
3. Run champion-challenger cut-off and limit strategies: Design, test, and monitor challenger strategies across credit cut-offs and limits so the portfolio balances customer growth against bad-debt appetite.
4. Drive daily, weekly, and monthly portfolio and fraud governance: Track portfolio and operational credit metrics, analyse fraud trends, and present clear policy and fraud-prevention recommendations to the Credit Committee.
5. Strengthen data, BI reporting, and team capability: Partner with data engineering/architecture and BI teams to implement data-warehouse solutions and validate reporting frameworks, while coaching and mentoring fellow analysts.