Job Description

iStore is the home of everything Apple, and Africa's largest Apple Premium Reseller. With a retail footprint of more than 33 physical and online stores across Africa that provide expert advice, Apple Authorised Repairs, Business, Education, training and technical support for anything and everything Apple.Purpose: To provide quantitative and qualitative assessments of the current and forecast
financial strength of a portfolio of Business to Customer and Business to Business clients with
the aim to identify portfolio related credit risksWhat We Offer -

• Exceptional growth opportunity within an Entrepreneurial Business Unit
• Join a diverse team of passionate individuals and work with the world's top brands every day
• Fun and challenging environment that promises to expand and grow your skill set

Responsibilities:

• Manage lending limits
• Conduct credit reviews and credit approvals
• Manage the customer database and provide input regarding limits, ratings, Loss Given Default (LGD)
• Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company
• Manage credit risk appetite (limits) by scrutinizing current portfolio exposures
• Keep portfolio current by reviewing at least once in a 12-month period
• Identify transaction specific risks including credit, taxation, accounting and legal
• Document findings and report to the credit committee
• Act as a bridge between risk and business on contentious issues
• Remain objective and present both arguments and pros and cons
• Forecast and analyse financials and collate and model data (where required)
• Participate in meetings with senior stakeholders
• Project management i.e. track progress, manage expectations and ensure stakeholders' requirements are delivered

Behavioural Competencies

• Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes
• Preserves relationships despite airing conflicting views and seeks mutual gains when addressing conflicts
• Anticipates consequences and adapts problem solving based on continual feedback
• Act speedily to resolve problems, queries and complaints
• Adapt communication styles to meet the needs of different audiences
• Plan and manage own workflow, anticipating obstacles, juggling priorities and following through on objectives within agreed time-frames and according to quality standards
• Stay relevant and up-to-date with legislations and new development
• Maintain a positive attitude and respond openly to feedback
• Able to work in a fast-paced, constantly evolving environment whilst juggling multiple
• tasks
• Take ownership of personal career development, leveraging formal and informal opportunities
• Act in an ethical, transparent and morally defensible manner, including highlighting unethical practices
• Continually share, debate and communicate learning's

Qualifications & Experience:

• Ideally Bachelor's degree in Finance, Economics or related field
• Ability to query, interpret, and present complex data clearly to support decision-making processes.
• Minimum 2-3 years' experience in credit risk analysis in the retail/banking environment, with comprehensive knowledge across the credit lifecycle
• Proven experience of successfully managing a team of credit analysts.
• Detail-oriented and able to work independently

At Core Group, we value the power of in-person collaboration in driving innovation, teamwork, and excellence. To support this, we have transitioned back to a full-time office environment. This approach enables us to cultivate a dynamic and engaging workplace where our teams can connect, collaborate effectively, and achieve outstanding results together.

Core Group