Senior Credit Analyst (Cape Town) On Site.

Introduction

We are looking for a highly skilled and experienced Senior Credit Risk Analyst to join our

Credit Risk team. The successful candidate will play a critical role in monitoring, analysing,

and interpreting key credit risk indicators across the lending portfolio. The primary objective

of this role is to ensure that the business achieves its bad debt and approval (pass rate)

targets, while simultaneously optimising overall portfolio profitability and risk performance.

The successful candidate will analyse credit portfolio data to identify trends, patterns, and

risks, providing actionable recommendations to improve credit decisions, manage risk, and

enhance lending performance. This includes evaluating and adjusting credit strategies,

scorecards, and decision rules to balance growth and risk.

Duties & Responsibilities

Key Responsibilities

• Design and analytics

• Design and build provisioning, profitability, bad debt and cash flow forecasting models

• Design and continual optimisation of the credit vetting and scoring policy to ensurecredit performance targets are met

• Analysis of operational performance and recommendations to improve credit efficiencies

• Perform ad hoc analysis required by Credit Committee to enable accurate decisioning

• Analytical representation of Capfin with bureau on custom scorecard developments for application-, limit- and collections scorecards

• Coach and mentor other analysts to deliver on key performance areas

• Portfolio monitoring and recommendations

• Daily, weekly and monthly tracking of relevant metrics

• Ensure accurate measurement and monitoring of credit risk and credit operationalperformance

• Work closely with the data team and information and analytics architect to implement data solutions in the data warehouse

• Monitor and analyse fraud processes to ensure optimal levels of fraud througproposals/recommendations to Credit Committee on effective prevention strategies

• Input and recommendations on the development and enhancement of the credit risk

• strategy and analytics for Capfin

• Identify trends in performance and recommend policy changes to Credit Committee Vacancy

Reporting

• Design a reporting framework for implementation by BI team

• Validate reporting development by BI team

• Enhance reporting requirement to match business needsFunctional Competencies

• Scorecard building and monitoring

• Performance reporting and interpretation

• Formulate policy proposals in line with mandate

• Diagnostic analytics

• Manage relationships with credit bureaus

• Champion Challenger analysis

• Behavioural competencies

• Solid analytical and critical thinking skills

• Work accurately to deadlines

• Good communication skills

• Proactive and organised

• Able to work collaboratively or independently

• Strong risk judgment

Desired Experience & Qualification

Qualifications

• 3-year Degree qualification in a technical/financial/analytical related field of study

• Honors degree in numerical or quantitative areas will be advantageous

• A post-graduate qualification will be advantageous

Experience

• Up to 5 years analytical credit experience within the banking, financial services or

retail credit industries

• High level of proficiency in SQL and Python/R is required

• Modelling experience (e.g. probability of default, loss given default, and exposure at default)

• Scorecard development and monitoring

• Industry knowledge and experience in designing challenger strategies to test credit

"cut-off" and limit strategies in order to balance growth vs. risk.

Should you not receive a response within 4 weeks of your application, please consider your

application to be unsuccessful.

Interested?

Qualifications

• 3-year Degree qualification in a technical/financial/analytical related field of study

• Honors degree in numerical or quantitative areas will be advantageous

• A post-graduate qualification will be advantageous

Experience

• Up to 5 years analytical credit experience within the banking, financial services or

• retail credit industries

• High level of proficiency in SQL and Python/R is required

• Modelling experience (e.g. probability of default, loss given default, and exposure at

• default)

• Scorecard development and monitoring

• Industry knowledge and experience in designing challenger strategies to test credit

• "cut-off" and limit strategies in order to balance growth vs. risk.

• Should you not receive a response within 4 weeks of your application, please consider your

• application to be unsuccessful.