Job Description

This role has a direct impact on how customers access credit, how portfolio risk is managed, and how strategic lending objectives are achieved, while ensuring alignment with regulatory standards and internal risk appetite.
Key Responsibilities:

• Develop, monitor, and enhance collections and behavioural models supporting personal loans and overdraft portfolios.
• Analyze business performance against defined risk appetite and present clear, actionable insights to stakeholders.
• Identify portfolio trends, emerging risks, and optimization opportunities through ina??depth analysis and ad hoc reporting.
• Partner with operational and business stakeholders throughout model development, system changes, and strategy implementation.
• Increase efficiency through automation and programming of analytical processes.
• Ensure regulatory compliance through structured documentation, governance processes, and engagement with relevant external bodies.
• Peera??review and challenge models across the broader portfolio to ensure consistency and best practice.
• Conduct impact analysis for new and enhanced products to ensure accuracy, feasibility, and alignment with business objectives.
• Maintain high data integrity through prea?? and posta??implementation testing of system and strategy changes.
• Share insights, industry trends, and best practices to support team capability and continuous improvement.

Qualifications:

• Essential:

• Matric / Grade 12
• Bachelor's Degree
• Preferred:

• Postgraduate qualification in Statistics, Mathematics, Engineering, or Data Science
• Professional designation or progress toward ASSA, PRM, FRM, or CQF

Experience:

• 3-5 years of relevant analytical experience, ideally within credit risk, personal lending, or retail banking.

Technical & Professional Skills:

• Quantitative modelling and advanced analytical capability
• Knowledge of risk management frameworks and processes
• Understanding of regulatory requirements related to personal lending
• Advanced Microsoft Excel and broader Microsoft Office proficiency
• Programming and process automation skills
• Strong business writing and stakeholder communication skills
• Sound business acumen with a structured, problema??solving mindset

Apply Now!
This role is designed for a professional who wants to influence outcomes, challenge assumptions, and lead through analysis -- not just execute tasks.
For more exciting Finance and Analytics vacancies, please visit:
/>I also specialize in recruiting within:

• Actuarial
• Data Analytics
• Product Development
• Pricing
• Valuations
• Market Risk

If you do not receive feedback within two weeks, please consider your application unsuccessful. Your profile will be retained for consideration against future suitable roles.
Contact
Kholo Mongalo
Recruitment Researcher - Actuarial & Analytics
???? Connect with me on LinkedIn:

Skills Required