Responsibilities:

• Analyse credit data to assess the creditworthiness of borrowers
• Conduct credit reviews and credit approvals
• Remain objective and present both arguments and pros and cons
• Manage customer databases and lending limits
• Prepare reports and presentations for senior management
• Develop and implement credit risk strategies and policies
• Collaborate with internal teams to ensure compliance with credit risk policies and procedures
• Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company

Behavioural Competencies

• Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes
• Preserves relationships despite airing conflicting views and seeks mutual gains when addressing conflicts
• Anticipates consequences and adapts problem solving based on continual feedback
• Act speedily to resolve problems, queries and complaints

Qualifications & Experience:

• Ideally Bachelor’s degree in Finance, Economics or related field
• Minimum 3 year’s experience as a credit analyst in retail/banking environment
• Strong analytical and problem-solving skills
• Detail-oriented and able to work independently