- To provide specialist knowledge and data insights linked to product knowledge towards the formulation and enablement of the Banks Unsecured Credit Strategy in order to achieve the required market share within ROE and profitability targets
- To provide business context to modelling and analytical teams and lead a data-driven Unsecured Credit strategy
- To provide input into credit client experience through improved processes and product value proposition.
- 2 3 years working in an unsecured credit portfolio.
- Exposure to a data-driven culture / business environment.
- Proven experience in providing insights based on data analysis.
- 3+ years experience in risk management of unsecured credit portfolio
- Grade 12 National Certificate / Vocational
- Bachelor's Degree in Commerce or Economic and Management Sciences
- Honours Degree in Commerce or Economic and Management Sciences
- Analytics
- Scorecard building, modelling and portfolio management
- Understanding of scored lending / a volume book
- Understanding of the SME environment
- Financial Services Industry (retail or other)
- Basel II
- Credit Risk regulatory requirements
- Banking
- Analytical Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Numerical Reasoning skills
- Problem solving skills
- Clear criminal and credit record
