Credit Risk Analyst – Home Loans, Property Risk and Analytics

Role Overview

• Support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle.
• Develop and implement data-driven risk strategies to enhance portfolio performance.
• Source, consolidate, and analyse large datasets using SAS, identifying key trends, patterns, and anomalies.
• Collaborate with cross-functional stakeholders including Sales, IT, Front-End, Collections, Finance, and Risk teams.
• Support New Product Development through analytical input and product refinement assessments.
• Identify gaps in acquisition strategies and recommend improvements to optimise processes.
• Present analytical findings and strategic recommendations to both technical and non-technical stakeholders.
• Perform User Acceptance Testing (UAT) and post-implementation monitoring to ensure effectiveness of strategy changes.
• Produce and analyse monthly MI reports, providing clear, insight-driven commentary on key risk indicators.
• Identify areas of concern and develop actionable remediation plans.
• Communicate insights effectively to a diverse stakeholder audience.
• Facilitate strategy approval and sign-off processes, ensuring alignment and awareness across the business.
• Work closely with operational teams to ensure strategies perform optimally.
• Ensure all strategies comply with credit risk policies and relevant frameworks.
• Investigate and resolve escalated customer complaints efficiently and fairly.

Requirements

• Bachelor’s Degree in Business, Mathematics, Statistics, Operational Research, Industrial Engineering, Risk Management, or related field.
• Minimum 3 years’ experience in:
• Data analysis
• SAS (or similar statistical tools)
• Handling large, complex datasets
• Advanced proficiency in Microsoft Office (Excel, PowerPoint, Word).
• Strong understanding of credit risk metrics
• Problem-solving and analytical thinking.
• Effective verbal and written communication.
• Project management.
• User Acceptance Testing (UAT).
• Knowledge of System Development Life Cycle (SDLC).

Tech Stack

• SDLC

Benefits

• Equal opportunity employer
• Affirmative action employer
• Contributes towards achievement of equitable demographic representation
• Adds to the diversity of the Bank