Discoverys core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.
About Discovery Bank
Discovery Bank is a bank like no other a shared-value bank, designed with our clients in mind. Were all about sharing the value that clients create when they manage their money well, back with them through exceptional interest rates and rewards. Our Vitality Money programme measures how well clients manage their finances, informs them of what it means to be financially healthy, and empowers them with the knowledge to get enhanced rewards for managing their money well. If youre adaptable, a problem-solver, always questioning the way things are done, passionate about doing what is right, and obsessed with providing a quality service experience, we have a job for you where you can be your best in an environment thats safe and nurturing.
Job Purpose
The Credit Management team is responsible for the management and strategy setting of the entire credit life cycle, including acquisitions, account management, collections & modelling and measurement. This requires expert analytical capabilities and the creation of optimal data assets to support monitoring, measurement and predictive model development to optimize key outcomes from a credit management perspective. The Credit MI specialist plays a very important role in supporting the credit management team in all these activities.
Areas of responsibility may include but are not limited to:
Business reporting
- Run, maintain and automate all daily/weekly/monthly/ad hoc reports via dashboards or other user-friendly methods
- Work closely with the credit risk management team on the implementation and scheduling of new reporting requirements
- Responsible for the monthly performance monitoring of all models & strategies across the Retail portfolio
- Monitoring of the budgeted vs actual performance of credit related metrics
- Provide weekly, monthly & quarterly monitoring of key risk indicators (KRI) metrics pertaining to credit risk management
- Mentoring, coaching and sharing knowledge within the team
- Adhoc reporting including data extraction and analysis.
- Prepare, optimize and automate all reporting for regular internal governance committee meetings
- Maintain, monitor & execute daily, weekly & monthly assurance reports
- Ensure compliance with RADARR principles across all key credit metrics & reporting
- Manage the delivery of regulatory reporting items within the credit risk management space, including:
- SACRRA
- Form39
- Visa
- BA returns
- Support the credit management team to create reusable data assets to enable monitoring, measurement and predictive model development
- Work closely with the Banks data warehouse team to ensure these get optimized & automated
- Monitoring, improving & optimizing existing data assets
- Monitoring, improving & optimizing Power BI dashboards as required by business
- A keen interest in all things data exploration, analytics and creating information from the noise
- Resourceful and tenacious
- Self-motivated
- Focused on driving results
- Detail-oriented
- Organised and process oriented; ability to manage time effectively
- Ability to convey complex data in a concise understandable manner and distil the key messages
- Strong problem-solving skills
- Ability to work effectively across varying levels of management and multi-disciplinary teams
- Strong verbal and written reporting skills
- Quantitative / qualitative analytical skills
- BSc/BCom Computer Science / Statistics / Applied Maths / Computer Engineering
- Minimum 8 years experience in Data warehouse / MI team , preferably within a Credit Risk Space
- Experience in data warehousing & managing technologies
- Retail banking experience is preferred
- Programming capabilities in SAP HANA (SQL) / SAS / MS SQL Server (SQL) / Python
- Creating dashboards & data visualizations in Power BI or similar tools
- Knowledge of SDLC, Unit Testing, Database structures, Technical Change Control
- Technical stack (database platform, data movement and reporting)
- Data modelling
- Data transformation and transfer (ETL)
- Change data capture (CDC)
- Confluence - documentation of data assets and reports
The Companys approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.
