Job Description

Malander is seeking an experienced Manager to assist in the Risk and Analytics department based in Cape Town. This position requires the successful candidate to find innovative ways to leverage the vast amount of data and information at your disposal to create customer strategies that drive up profit within constraints. They will be required to work within the Risk and Analytics department to enhance the company performance by providing information, analyses, reports and technical support for the development and implementation of data-driven credit risk strategies.
Key Responsibilities:

• Assist team to achieve a balanced credit portfolio by accurately forecasting expected results
• Develop and implement champion/challenger customer strategies that deliver performance in line with Board expectations
• Monitor portfolio performance and ensure book performance meet pre-defined KPIs by pro-actively proposing changes
• Investigating data integrity issues, testing assumptions and validating analytical results, ensuring accuracy of findings
• Undertaking analysis to determine the impact of strategy changes to areas of application and account management strategies
• Presenting ideas via reports and presentations, outlining findings and making recommendations for improvements to senior stakeholders
• Forecasting and monitoring implemented strategies using statistical techniques
• Project manage the implementation of strategy changes into live systems
• Coding (Retailer experience)
• Credit professional and Must have experience and solid understanding in IFRS9, credit strategy rules, risk registers)

• Relevant post-graduate Degree with mathematical or statistical oriented subjects preferred
• Business Science Degree / B.Com Degree or equivalent
• 8+ or more years experience in consumer credit (within a Credit Risk analytics environment) and has managed a large credit portfolio
• Preferable to have worked for a retailer or a bank running a card portfolio or a loans business would be sufficient.
• Must have experience in Building scorecards
• Very good understanding of SAS Account management and account acquisition experience
• Solid Understanding of the credit life cycle
• Revolving store card or credit card experience advantageous
• Ability to work efficiently under pressure and within structured and unstructured parameters
• Advantageous to have predictive Analytics experience with a highly numerate background
• Must be able to monitor models and report back to the board
• Must assist in growing team with relevant support, training programs and be seen as a mentor
• High attention to detail driving a need for 100% accuracy
• High level of integrity and confidentiality
• Experienced user of Microsoft Office suite
• Experience in SAS (base and/or Enterprise Guide and/or SAS Viya) extremely advantageous
• SQL / Python.