Job Description

Job Overview

Business Segment:

Personal & Private Banking

Location:

ZA, GP, Johannesburg, 30 Baker Street

Job Type:

Full-time

Job Ref ID:

80378520A-0001

Date Posted:

9/22/2025







To perform the identification, development, implementation and maintenance of credit risk strategies which are aimed at enabling sustainable growth of the dedicated book. In-depth analysis to optimise new business performance, policy rules, score cut-offs, affordability assessments and credit limits to drive improvements that directly impact core business metrics such as risk appetite and profitability.Deliver ad-hoc, indepth analyses and business intelligence reports (BI) to support business decisions and drive changes needed to maintain risk appetite levels, helping guide the evolution of performance monitoring.Initiate actionable insights, collaborate with team members and execute strategies efficiently and effectively.Assessment and optimization of end-to-end Lending application process, aiming to improve and deliver on positive customer experience and addressing customer need.



Qualifications

Completed Matric

A degree in a quantitative discipline such as Mathematical Statistics or Finance



Experience



3-4 years

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

Additional Information



Behavioural Competencies

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

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