The key responsibility will be to evaluate and assess the creditworthiness of businesses seeking loans by utilizing scorecard models, analysing financial data, and applying sound risk management practices to make well-informed credit decisions.
In this position, you will be tasked with striking a delicate balance between managing credit risk and achieving our business growth objectives, ensuring we support deserving businesses while safeguarding the interests of our company.
Meeting and exceeding SLA requirements for exceptional service delivery will be at the forefront of your responsibilities, as we strive to provide the best possible experience to our clients.
The successful candidate will actively collaborate with cross-functional teams, contributing to the development of scorecard models and playing a vital role in supporting the company's overall credit risk management strategy.
• 2-3 years of experience working in the financial services and/or lending industry
• Experience as a Credit Analyst in a scorecard-based environment or a similar role within the financial services industry is a bonus.
• Knowledge of commercial credit products, market trends, and/or loan procedures, credit life cycle (up to and including collections).
• Familiarity with industry-specific factors influencing credit risk, such as market trends, regulatory changes, and economic conditions.
• Understanding credit bureau data, credit scoring methodologies, and regulatory compliance.
• Experience in monitoring and analyzing the performance of existing credit accounts to assess credit quality, identify trends, and manage credit risk exposure.
• Familiarity with credit policies and guidelines, ensuring credit decisions align with the established risk appetite.
• Knowledge of loan administration, accounting, and banking applications/software.
• Analytical, problem solving, attention to detail (Analysing)
• Responsible, self-motivated and enthusiastic (Delivering Results and Meeting Customer Expectations)
• Ability to work under pressure and deliver to deadlines. (Coping with Pressures and Setbacks)
• Ability to thrive in an ever-changing environment (Adapting and Responding to Change)
• A highly professional approach/work ethic
• Excellent planning, organizational and multitasking skills (Planning and Organising)
• Passion for training and mentoring of team members (Leading and Supervising, Persuading and Influencing)
• Taking initiative, being proactive, and seeking opportunities to excel and make a positive impact (Formulating Strategies and Concepts, Achieving Personal Work Goals and Objectives)
• Excellent communication and interpersonal skills to collaborate effectively with team members and stakeholders.
Qualifications required:
• Honours degree in Finance / Accounting / Mathematics or related.
• Preferred: CA(SA)/ACCA/CIMA
• NQ8
• The candidate does not need to be a qualified CA (they can be on their way to being a CA or have not completed articles).
