ANALYTICS MANAGER (Credit Risk) – N-Subs, Cape Town, South Africa
Competitive Package on Offer with excellent benefits!
Our Client, a highly reputable Global Retail Financial Services concern , is offering this exciting opportunity within the Credit Risk department.
Do you know or desire to learn more about the world of Retail Credit Risk and are you passionate about unlocking hidden secrets in data?
If you are someone that enjoys analyzing data, formulating strategies, and driving change, then this position is for you!
The successful individual will be working with the top management in Credit Risk, Credit Marketing & Credit Operations teams in order to:
- Drive customer acquisition campaigns and strategies, balancing risk with growth
- Help formulate product and marketing strategy
- Implement and optimise existing account management strategies
- Find opportunities for profit growth across new and existing account base
- Drive credit sales across the Companies product suite
- Portfolio forecasting of account growth, turnover and vouchering
- Optimise marketing strategies through data science, segmentation and models
- Formulate and present proposals to drive growth and minimise risk
Job description Managing a team of senior data scientists and strategic thinkers, supporting you to:
- Drive the credit risk marketing strategy for growth through data science and analysis and optimising of past results
- Portfolio forecasting of credit growth levers (active accounts, turnover, risk vintage performance, discount vouchers etc.) on a quarterly basis
- Monitor portfolio performance against forecast and manage EXCO expectations where needed
- Develop strategies to grow New Accounts within legislative framework and through digital channels
- Existing account management, including limit management, buying position strategies and re-activation campaigns
- Provide analytical solutions to complex business problems
- Support growth across the product suite and across financial services partnerships
- Documentation of analytical processes and results, adhering to agreed documentation standards
- Effective communication and presentation of analytical results and credit-related topics to peers and relevant stakeholders
- Profitability tracking and identification of opportunities derived
- Data mining of credit bureau and other external data to provide insights and trends
- Ensure 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 exciting opportunity you should have:
- A degree in a numerate discipline, preferably Statistics / Mathematics / Operations Research / Engineering (Honours / Master’s degree preferable)
- Knowledge of the credit risk industry and credit life cycle management
- At least 2 years’ experience managing a small team
- Knowledge and experience in statistical/data management software packages (SAS/SQL) Enterprise Miner would be advantageous
- 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
- Advanced problem solving, judgment and self-management skills
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