Specialist: Unsecured Credit

Job title : Specialist: Unsecured Credit
Job Location : Gauteng, Johannesburg

Deadline : January 03, 2025

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Purpose Statement To provide specialist knowledge and data insights linked to product knowledge towards the formulation and enablement of the Bank's Unsecured Credit Strategy – in order to achieve the required market share within ROE and profitability targets To provide business context to modelling and analytical teams and lead a data-driven Unsecured Credit strategy  To provide input into credit client experience through improved processes and product value proposition.
Experience Minimum: 2 – 3 years working in an unsecured credit portfolio.  Exposure to a data-driven culture / business environment. Proven experience in providing insights based on data analysis.
Ideal: 3+ years' experience in risk management of unsecured credit portfolio
Qualifications (Minimum) Grade 12 National Certificate / Vocational Bachelor's Degree in Commerce or Economic and Management Sciences
Qualifications (Ideal or Preferred) Honours Degree in Commerce or Economic and Management Sciences
Knowledge Minimum: Analytics Scorecard building, modelling and portfolio management Understanding of scored lending / a volume book Understanding of the SME environment Financial Services Industry (retail or other) Basel II Credit Risk regulatory requirements
Ideal: Banking
Skills Analytical Skills Computer Literacy (MS Word, MS Excel, MS Outlook) Decision making skills Numerical Reasoning skills Problem solving skills

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