Analyst, Credit
Financial Services, Banking
Minimum Requirements
- Bachelor’s Degree in Mathematical Sciences, IT, or Computer Science.
- 5–7 years’ experience in credit analytics within a banking environment, with a focus on the credit lifecycle.
- Strong experience in data analysis, reporting, and credit risk management.
- Preferred Qualifications: Honours Degree in Finance, Accounting, or Project Management.
- BSc in Statistics, Actuarial Science, or Financial Engineering.
- in Vehicle Asset Finance (VAF) is advantageous.
- Technical Skills: Advanced SAS development and coding.
- Strong technical report writing capabilities.
- in developing data-driven strategies.
- Proficiency in data visualisation and business intelligence tools.
- Behavioural Competencies: Ability to provide meaningful insights and interpret data effectively.
- Strong analytical and problem-solving skills.
- Ability to challenge ideas constructively and think practically.
- Effective communication and stakeholder engagement.
- Team leadership and collaboration capabilities.
- Leadership Competencies: Driving delivery of results.
- Inspiring team performance.
- Building collaborative relationships.
- Developing team capability.
- Adopting Practical Approaches
- Checking Things
- Embracing Change
- Establishing Rapport
- Following Procedures
- Active Listening
- Project Management (Project Mgmt)
- Quant Skills
- Risk Awareness
- Risk Identification
Responsibilities
- Business Requirements & Analytics Analyse and prioritise business reporting and data requests.
- Deliver accurate and meaningful management information (MIS).
- Provide in-depth credit insights to guide strategy and decision-making.
- Develop and enhance reporting solutions using business intelligence tools.
- Design credit decision-making processes through advanced data analysis.
- Data Integrity & Process Assurance Ensure data accuracy through validation, reconciliation, and quality checks.
- Guide analysts in data extraction, manipulation, and reporting processes.
- Develop and maintain data monitoring frameworks to identify and resolve errors.
- Interpret large, complex datasets into actionable insights.
- Develop SAS code and drive automation of reporting processes.
- Stakeholder Management Communicate proactively with stakeholders on reporting delivery and timelines.
- Negotiate and manage expectations on new and ongoing requirements.
- Collaborate with operational partners to improve processes and outcomes.
- Strategy Development & Reporting Support the development and optimisation of acquisition and account management strategies.
- Monitor and evaluate strategy performance through cost-benefit analysis.
- Engage stakeholders on scorecard-driven strategy enhancements.
- People Management & Knowledge Sharing Manage and develop a team of analysts to deliver on objectives.
- Identify and support development opportunities for team members.
- Share best practices in analytics, data interpretation, and coding.
- Address team performance, including disciplinary and grievance processes where required.
- Performance Measures Delivery of accurate and timely reporting.
- Effectiveness of acquisition and account management strategies.
- Quality and impact of insights provided.
- Continuous improvement in reporting and analytics processes.
