Job Description

• Based at our Head Office in Cape Town, this position requires you to find innovative ways to leverage the vast amount of data and information at your disposal to create customer strategies that drive up profit within constraints.
• Work within the Risk and Analytics department to enhance Truworths’ company performance by providing information, analyses, reports and technical support for the development and implementation of data-driven credit risk strategies.
• Strategic contribution demonstrated and must have a broad range of experience.

Key Responsibilities

• Assist team to achieve a balanced credit portfolio by accurately forecasting expected results
• Develop and implement champion/challenger customer strategies that deliver performance in line with Board expectations
• Monitor portfolio performance and ensure book performance meet pre-defined KPI’s by pro-actively proposing changes
• Investigate data integrity issues, test assumptions and validate analytical results, ensuring accuracy of findings
• Undertake analysis to determine the impact of strategy changes to areas of application and account management strategies
• Present ideas via reports and presentations, outlining findings and making recommendations for improvements to senior stakeholders
• Forecast and monitor implemented strategies using statistical techniques
• Project manage the implementation of strategy changes into live systems
• Coding (Retailer experience)
• Credit professional and have experience in IFRS9, credit strategy rules, risk registers

Qualifications and Experience

• Relevant post-graduate Degree with mathematical or statistical oriented subjects preferred
• Business Science Degree / B.Com Degree or equivalent
• 8+ or more years’ experience in consumer credit (within a Credit Risk analytics environment) with demonstrated ability to implement solutions based on findings from analytical projects

Competencies

• Understanding of the credit life cycle
• Revolving store card or credit card experience advantageous
• Ability to work efficiently under pressure and within structured and unstructured parameters
• Advantageous to have predictive Analytics experience with a highly numerate background
• Must be able to monitor models and report back to the board
• Must assist in growing team with relevant support, training programs and be seen as a mentor
• High attention to detail driving a need for 100\% accuracy
• High level of integrity and confidentiality
• Experienced user of Microsoft Office suite (Excel, PowerPoint, Word)
• Experience in SAS (base and/or Enterprise Guide and/or SAS Viya) extremely advantageous SAS Sequel / SAS Python