Senior Credit Risk Specialist

Remuneration:Market related 
Location:Cape Town, Southern Suburbs
Job level:Management Jnr-Mid
Type:Permanent
Reference:#FIC254
Company:HomeChoice


Job description

Key Performance Areas (KPAs)

Acquisition responsibilities
  • Actively review and change credit strategy, with specific attention to:
  • Reviewing credit rules and scorecards to ensure pass rates are optimal
  • Review credit results and recommend changes to ensure they are in line with business risk expectations
  • Monitor and implement credit scoring
  • Statistical modeling and SQL data extraction
  • Ensure the compliance of credit legislation are met
  • Review and recommend updates to the risk strategy for both new and existing business
  • Prepare and present a detailed monthly report on the status of the credit portfolio
  • Work closely with the credit operations teams to ensure that the best results are obtained
  • Be responsible for various forecast models that show the various impacts of strategic credit decisions
  • Mentor and train junior team members and ensure that they have a career plan
  • Be able to lead and assist in credit-related analysis
Fraud responsibilities
  • Review fraud reports and recommend changes to ensure the levels of fraud is contained
  • Actively review and change fraud strategy
  • Monitor and implement fraud scoring and other tools
  • Statistical modeling and SQL data extraction
  • Ensure the compliance of credit legislation are met
  • Review and recommend updates to the fraud strategy for both new and existing business
  • Prepare and present a detailed monthly report on the status of the non-paying accounts
  • Work closely with the fraud operations teams to ensure that the best results are obtained
  • Be responsible for monitoring fraud systems and ensure controls are in place
  • Mentor and train junior team members and ensure that they have a career plan
  • Be able to lead and assist in fraud related analysis


Requirements

Qualifications and accreditations
  • A numerate degree e.g. BCom, B Bus Sci, B Eng, BSc
Experience and skills
  • A minimum of five to eight years' experience in consumer credit risk
  • Previous experience managing / mentoring a team 
  • The ability to integrate and interpret numerical and statistical information
  • Experience in building scorecards will be advantageous
  • SQL skills will be an added advantage 
  • Advanced computer literacy skills with a high proficiency in MS Excel
Attributes and behaviors
  • Excellent interpersonal communication, assertiveness and judgment skills
  • Be able to communicate effectively with senior management and directors
  • Strong planning, organising and coordinating skills
  • Performance-driven and results-orientated with a relentless drive to succeed
  • The ability to prioritize and multi-task within a fast-paced and pressurised environment
  • Exceptional attention to detail with a thorough approach to work
  • A strong can-do attitude and an energetic positive approach
  • A solid work ethic and a passion for digital financial services


Posted on 13 Nov 15:19



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