Credit Analyst

Time left to apply: End Date: October 30, 2024 (2 days left to apply)Job Requisition ID: R19961Job DescriptionTo analyse credit data to estimate the degree of risk in extending credit or lending money to ensure year on year total consumer revenue growth.Deliver against operational and cost targetsPrioritise resource allocation to minimise and reduce wastageMonitor costs for the financial year according to the operational planAllocate and approve expenditureReview cost reports and resolve or explain variances to the budgetIdentify, control and escalate potential risks that may lead to increased costsManage costs or expenses within approved budget to achieve cost efficienciesDeliver customer experience excellence aligned to organisational values and service standardsBuild professional long-term relationships with customers based on trust that builds the brandCollect and interrogate information and feedback to ensure full understanding of customer needs to deliver a quality serviceDeliver service that exceeds customer expectations through proactive, innovative and appropriate solution selection and applicationProvide customers with relevant information to keep them informed of products and service optionsEnsure full understanding of customer needs to deliver a quality serviceEnsure customer service solutions are aligned to the business operational plan, organisational values and service standardsCommunicate how customer service solutions will be implemented and secure buy-inEnsure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service optionsEnsure resolution of customer queries and complaints timeously and ownership of issuesAnalyse customer feedback to help improve customer servicePropose ideas to improve customer serviceBuild relationships that allow for the managing of expectations, sharing of knowledge and diverse insights, and creation of buy-inEngage in cross-functional relationships to obtain and provide work supportImplement, monitor and control business processes according to quality standards, policy, and compliance and governance requirements in area of accountabilityEnsure the development, alignment, mapping and implementation of end-to-end processes aligned to the customer journey mapResearch, enable and consult on improvements and opportunities to harness technology and platform enablementReview existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancyMonitor customer feedback reports and align processes to maximise efficienciesImprove business decisions by providing accurate and reliable business intelligence together with analysing trends and dataProvide regular reports on delivery of services against agreed service level agreements and in terms of overall customer targetsAccumulate information to review work progress that provides input to reporting, decision making and identification of improvement opportunitiesEnsure compliance with relevant statutory, legislative, policy and governance requirements in area of accountabilityEnsure implementation of relevant policies, governance and practice standards across the businessMaintain knowledge on relevant legislative amendments, industry best practices and internal compliance procedures and requirementsEnsure compliance is adopted in terms of systems and procedures as laid out by the organisation and review in response to audit findings and changesDevelop an understanding of risks and risk management approaches, implement and provide input into the development of governance and compliance procedures and processes within area of specialisation and identify risksEducate others and make suggestions for improvements, network and participate in specialist risk forums where requiredProvide input into the development of the business area tactical strategy in achievement of the overall business strategyDevelop and implement an area operational plan in achievement of business objectivesAssess own performance against competencies and skills required deliveryIdentify development needs and select effective solutions to address own development needsPrepare a personal development plan with management to implement and review as requiredMonitor own progress against development plan and measure impact of resultsPromote teamwork and inclusivity amongst team members and demonstrate behaviours that respect diversityPartner and collaborate with team members to achieve team successShare information and knowledge that benefits the teamQualifications and ExperienceMinimum Qualification: BCom Degree or relevantExperience: 3 Years experienceJob DetailsTake note that applications will not be accepted on the below date and onwards; kindly submit applications ahead of the closing date indicated below.30/10/24All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.Introduce YourselfIntroduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.Should you have any queries, please log it via MyQ.About UsFirstRand provides a comprehensive range of financial services in South Africa and certain markets in broader Africa. The group also offers certain niche products and services in the UK and India. Listed on the Johannesburg Stock Exchange (JSE) and the Namibian Stock Exchange (NSX), FirstRand Limited is the largest financial institution by market capitalisation in Africa.The group follows a multi-branding approach. Its portfolio of financial services businesses includes FNB, RMB, WesBank, Ashburton Investments, Aldermore, MotoNovo, DirectAxis and MotoVantage. Many are leaders in their respective segments and markets, offering transactional, lending, investment and insurance products and services. The FirstRand Corporate Centre houses many of the critical functions required by a large and complex financial services group.The group's track record of delivering superior returns to shareholders has been achieved through a combination of organic growth, acquisitions, innovation and the creation of completely new businesses.The group's purpose of delivering Shared Prosperity provides many opportunities for employees to innovate to address social and environmental challenges in our markets. All of our businesses have successful volunteering programmes which also allow employees to adopt and support causes close to their hearts.
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