Job summary

Cape Town, South Africa, Africa
Career Level:
Mid Career (2+ years of experience)
Job type:
Full time
Market related incl med aid, pension plus incentives

Risk Analyst: Modelling & Analytics (Ref 105)

About this job

 Overview: To ensure continuous fostering and dissemination of the company’s credit portfolio intellectual property through the application of advanced statistical analysis.



·         Strong analytical, problem solving and conceptual thinking skills

·         Knowledge of statistical and mathematical models and methodologies

·         Ability to explain complex statistical information

·         Draw data from systems and do analysis on information retrieved

·         Quality control of output data

·         Compilation of reports based on information retrieved and analysed

·         Planning and organisational skills

·         Must be able to work to, and manage, deadlines

·         Attention to detail and commitment to delivery is vital

Qualifications & Experience:

·         Bachelor’s Degree or higher in an applicable field of study: (Mathematics, Statistics, Economics, Operational Research, Actuarial Science or Finance (CA (SA), CIMA, CFA etc.

·         At least  3 to 4 years’ relevant experience in the following:

- Scoring and bad debt provision techniques in consumer lending

- Credit risk analysis on unsecured lending products

- Preparing data-driven credit policy recommendations for Senior Management and delivering compelling presentations.

- Manipulating and analysing data using SAS, SQL, SAS Macros or other data analysis tools for complex modelling purposes or forecasting, i.e. ability to perform statistical analysis on large datasets.

- Database architecture, i.e. understanding of database and data warehouse concepts and functions. 



 Key Responsibilities: 

·         Work within a team of analysts on best practice credit risk management principles and statistical analysis

·         Undertake analysis to determine the impact of strategy changes to areas of application and account management strategies

·         Development of predictive models aimed at the optimisation of risk decision-making

·         Present ideas via reports and presentations, outlining findings and making recommendations for improvements to senior stakeholders

·         Investigate data integrity issues, test assumptions and validate analytical results, ensuring accuracy and sensitivity of findings

·         Use advanced analytical techniques such as modern data mining, pattern matching, data visualisation and predictive modelling tools to produce analyses and algorithms that assist with the business decisions

·         Set up experimental designs to answer key business questions

·         Forecast and monitor market trends using statistical techniques

·         Assist in implementing strategy changes to live decision systems

·         Assist with Application and Behavioural Scorecard development and testing

·         Perform standard and ad hoc statistical analysis to support decision-making and mitigate credit risk

Job keywords/tags:  Bachelor’s Degree or higher , Finance (CA (SA) , CIMA , CFA
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