Credit and Risk Analyst

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
• 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
• 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 behaviour, 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
• 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

Duties

• Business Case:
• Contribute information and analysis to support the development and review of business cases
• Economic Research:
• Support others by carrying out a range of economic research activities
• Financial Modeling:
• Provide basic financial modeling input into business cases, costs, and schedules to support growth in the business
• Insights and Reporting:
• Extract simple/automatic data in various forms (graphs, charts, etc.) to include in reports
• Data Collection and Analysis:
• Extract relevant data from information provided by others, and input it into spreadsheets or standard formats
• Financial Policies, Guidelines, and Protocols:
• Support the development and delivery of financial policies, guidelines, and protocols to ensure the company complies with regulations and good financial practice
• Recommendations:
• Provide information and clarification on existing procedures, processes, and precedents
• Data Management:
• Support others by working on a variety of data management tasks
• Information and Business Advice:
• Resolve queries from internal or external customers or suppliers by providing information on policies and/or procedures, referring complex issues to others
• Personal Capability Building:
• Develop and maintain excellent process or technical skills by participating in assessment and development planning activities as well as formal and informal training and coaching

Requisites

• Namibian Citizen
• 3 - 4 years in a credit risk environment in the Banking, Credit or Finance sector
• Degree in Economics, Finance, Quantitative Finance, Actuarial Sciences, Statistics or Financial Mathematics
• 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
• Skills:
• Accounting
• Action Planning
• Analytical Thinking
• Budget Management
• Computer Literacy
• Data Analysis
• Database Reporting, Data Classification
• Data Compilation, Data Controls
• Data Encoding
• Data Modeling
• Evaluating Information
• Numerical Aptitude, Solution Analysis

Notes

• Only shortlisted applicants will be contacted