Senior Analyst: Impairment Credit Risk

To perform data analysis, forecasting, reporting and analysis of key performance drivers of impairment in order to deliver against financial commitments. Ensure the continuous improvement of the impairment modelling methodology and forecasting techniques applied, and compliance with credit policy and regulatory requirements. Identify impairment risks and opportunities and drive resolution.

? Monthly impairment calculations, reporting and communication
? Forecasting and tracking of key metrics
? Contribute to ad-hoc analytical projects
? Stakeholder/Resource Management
? Ensure compliance with Risk and Impairment Policies and regulatory requirements
? IFRS 9 project implementation

FUNCTIONAL COMPETENCIES

? Knowledge and application of retail financial services and/or credit risk management techniques across the entire credit life cycle on consumer portfolios.
? Proven ability in analytics, business acumen and presenting/communicating recommendations across all organisation levels.
? Understanding of financial metrics in relation to portfolio management and the associated forecasting thereof.
? Comprehensive understanding of portfolio trends and data relationships in order to improve analytical recommendations.
? Effective stakeholder management and ability to work with diverse teams to ensure effective implementation of projects.
? Good communication skills, both written and verbal (including being able to run workgroups/meetings and minute-taking).

BEHAVIOURAL COMPETENCIES

? Intellectual curiosity – continuous improvement, innovation and ability to deal with change
? Stakeholder engagement – collaboration, influencing and persuading
? Decision making – mental agility, analysing and interpreting
? Action orientated – results focus, determination to achieve and deadline driven
? Self-leadership – initiating, planning and organising own deliverables
? Analytical thinking – attention to detail, focus on quality and integrity of output
? Team player – relating, networking and supporting colleagues
? Entrepreneurial and commercial thinking

MINIMUM QUALIFICATION

? University degree in Business/Mathematics/Statistics/Accounting/Economics/Risk Management or equivalent industry training and experience
? CA (SA) would be advantageous

EXPERIENCE REQUIRED

? Preferably 2-3 years’ Senior Analyst experience in Credit Risk, performing data analysis utilising a standard statistical package such as SAS or SQL.
? Alternatively CA (SA) candidates should have experience within the Retail Financial Services or Banking industry.
? Practical experience in using analytics to solve complex business problems would be advantageous.
? Experience in working with various data sets as well as ability to establish data integrity and relationships.
? Experience in working in an outsourced environment and effectively implementing solutions using both internal and external resources.
? Experience in SAS (intermediate or advanced) programming or equivalent structured language analytical software for statistical analysis and manipulation of very large data sets.
? Proficiency in Microsoft Office (Excel, Word, PowerPoint etc.), ideally using macros.
? Exposure to the financial drivers on the income statement and/or impairment levers.
? Experience in working with IFRS 9 and an understanding of the standards requirements