Job Description

Job Overview

Business Segment:

Personal & Private Banking

Location:

ZA, GP, Johannesburg, 30 Baker Street

Job Type:

Full-time

Job Ref ID:

80442001A-0002

Date Posted:

9/26/2025







Lead and manage the Lending Strategy and Data Automation team to enhance the credit decision-making process and simplify and automate the Portfolio team data infrastructure and reporting processes. You will be responsible for the monitoring, enhancement and development of the Lending credit risk strategy across various Loan products to continuously work toward improvements in the credit decision-making process. You will lead a talented analytics and data engineering team using large data sets to provide in-depth data-driven insights and trends over time to influence the credit strategy design and drive actionable initiatives to create sustainable growth of the Loans portfolio. With the ability to cross collaborate across teams and present your findings and proposals to key stakeholders and committees, you will drive the creation of effective credit strategies, identification and improvement of processes and support your team members in executing these key initiatives. Your role and analysis performed within the team will be key in directly impacting new business default performance against risk appetite, with your recommendations pivoting the optimization and improvement in credit performance.



Qualifications

Completed Matric

A post-graduate degree is advantageous, in Mathematical Sciences, Risk Management, Quantitative Studies.



Experience



5-7 years

Credit risk or a related analytical environment, where credit risk experience in Originations and/or scorecard monitoring and development, account management and collections would be advantageous.

People management, leadership and people development

Additional Information

Behavioural Competencies:

Strong communication and presentation skills.

Attention to detail:

A strong focus on accuracy and precision, ensuring that all credit risk assessments and models are thorough and reliable

Analytical Thinking:

The ability to break down complex problems, gather and analyze relevant data, and make well-informed decisions.

Producing a high standard of output:

Is focused on activity and works quickly; keeps busy and maintains productivity; is comfortable multi-tasking to produce output

Collaborative problem solving:

Strong communication and relationship building skills to create, foster and leverage from other's experience and knowledge.

Proactive and driving your own initiative:

Displaying a keen initiative to identify and solve for areas of opportunity to improve business performance.

Technical Competencies:

Strong understanding of credit risk principles, credit policy and risk appetite frameworks

Experience in retail credit risk management

Familiarity with credit scoring models

Highly Proficient in statistical software packages such as SAS (preferred), Python and R.

Data sourcing, development of end-to-end report production

Strong excel skills and application knowledge (pivot tables, advanced functions, VBA desirable)

Please note:

All our recruitment processes comply with the applicable local laws and regulations. We will never ask for money or any from of payment as part of our recruitment process. If you experience this, please contact our Fraud line on +27 800222050 or TransactionFraudOpsSA@standardbank.co.za