Job Description: An exciting opportunity exists within the Credit Risk team for a Credit Risk Analyst. The role is responsible for the development, analysis, and monitoring of the Credit Originations strategy and includes optimisation of the credit decision, profitability analysis and portfolio segmentation. This role is situated in Cape Town. Job Responsibilities: Refining the use of scorecards and policy rules in the origination decision Apply sound statistical methods to forecast portfolio growth and credit performance at a cohort level Automating and produce monthly, weekly and daily reports to track portfolio movements and the impact of any strategic changes Identifying subsegments within the portfolio that may not perform in line with expectations and recommend an appropriate treatment Presentation of analytical results and proposals to both technical and non-technical committees, providing commentary and recommendations as required Refining pricing and limit allocation to optimize volume and profitability trade-offs Job Requirements: Documenting Facts Developing expertise 1-3 years work experience in a credit risk environment/banking/retail credit risk Checking things Degree with Stats/Math/Applied Maths/Financial Risk Management/Data Science/Engineering or related disciplines R, SQL, MATLAB, SAS, or Python experience advantageous Examining information