Credit, Risk and Data Analyst

Lets Write Africa's Story Together!

Old Mutual is a firm believer in the African opportunity and our diverse talent reflects this.

Job Description

Minimum Requirements:

• Namibian Citizen;
• Degree in Quantitative Finance, Actuarial Sciences, Statistics or Financial Mathematics;
• 3 - 4 years in a credit risk environment in the Banking, Credit or Finance sector;
• Good understanding of credit risk concepts such as: Economic capital, Expected Loss, PD’s and LGD;
• Understand the drivers of credit risk across diverse lending portfolios;
• Proficient in data analytics utilising respective tools like SQL, R, Python etc.;
• Advanced Microsoft Excel skills;
• Computer literate;
• Good interpersonal communication skills;
• Excellent numerical ability;
• Excellent Time Management skills;
• Ability to work under pressure;
• Strong team player.

Job Description:

Credit Risk Management & Compliance:

• Identify, monitor, and assess credit-related risks and other risks the business is exposed to.
• Ensure credit approvals comply with the relevant lending framework and applicable legislation.
• Conduct in-depth credit assessments of new and existing employers.
• Maintain and update Employer, Risk & Compliance databases.

Data Analysis & Modelling:

• Extract, clean, and transform large datasets from various sources to support credit risk analysis and decision-making processes.
• Perform complex credit modelling calculations, including predictive models to assess borrower behavior, predict loan performance, and identify potential default risks.
• Continuously research and assess new processes for model development and enhancement.
• Analyse borrower segments to identify opportunities for targeted marketing, risk management strategies, and product development.
• Perform in-depth portfolio analysis to identify trends, anomalies, and areas of concern, providing actionable insights to management.
• Ensure the accuracy and integrity of data by conducting regular data audits, validation checks, and quality control measures.
• Utilize statistical techniques to perform hypothesis testing, trend analysis, and other advanced data analysis tasks that inform strategic decisions.

Reporting & Communication:

• Design and implement automated reporting tools and dashboards to streamline data reporting and enhance the timeliness of information delivery.
• Perform ad-hoc, monthly, and quarterly credit-related reporting to Management.
• Assist in the preparation of regulatory reports, ensuring compliance with relevant data reporting requirements specific to microlending.
• Engage with external service providers to ensure appropriate levels of best practice benchmarking and model review.
• Conduct market intelligence and provide recommendations to Management.
• Provide training and support to stakeholders on compliance and the interpretation of data report

Collaboration & Support:

• Provide support to the Operations, Collections & Sales Team.
• Collaborate effectively with internal stakeholders to achieve personal and business-wide results.
• Communicate effectively with internal stakeholders to ensure alignment and coordination across departments.

Skills

Education

Bachelors Degree (B): Actuarial Science (Required), Bachelors Degree (B): Financial Mathematics (Required), Bachelors Degree (B): Quantitative Sciences (Required)

Closing Date

03 October 2024

The Old Mutual Story!