Credit Risk Analyst - HomeChoice - HomeChoice, Cape Town Southern Suburbs

  • Cape Town Southern Suburbs
  • Salary: Market Related
  • Job Type: Permanent
  • Sectors: Retail
  • Posted by HomeChoice on Saturday, November 9, 2019
  • Reference: HCH-1510
  • Employment Equity Position
  • Apply before Sunday, December 8, 2019 - 22 Days left

Vacancy Details

Employer: HomeChoice

Introduction:

HomeChoice is a leading omni-channel retailer, delighting our customers with an innovative range of curated products on personalized terms. Our aim is to provide multiple, convenient and easy retail shopping channels to guarantee that we meet all our customer expectations.

Description:

Do you have the drive and passion to be responsible for running existing credit risk related reports as well as the further analysis of data in order to determine our customer's payment performance which will be used for strategic decision-making? If yes - then apply now


Here's what you can expect to be doing in the role



  • Assist with the monitoring of risk based strategies within acquisition to ensure that only customers with the correct risk levels are allowed to purchase

  • Running existing report to be used in executive information packs

  • Assisting operational departments with operational reporting

  • Monitoring key metrics and interpreting findings

  • Assist with the review and enhancement of the credit limits to ensure the business exposure strategy is met

  • Assist with and maintain strategies for early and late stage collections that ensure that operations department focus on the correct delinquent accounts

  • Maintain and update forecast models for future legal write off and provisions

  • Use data-oriented approach to work with others in solving complex business problems around profitability, marketing, risk, and operational analysis

  • Design experiments and use various test and control strategies for credit operations, analyse results, and build predictive models to forecast future outcomes.

  • Perform data-oriented ‘what if’ and ‘ad-hoc’ analysis to support business strategy optimization in credit operations

  • Develop a strong credit risk team by mentoring the less experienced trainee credit risk analysts

  • Assists Credit Risk Manager and Senior Credit Risk Analysts on key projects



Requirements:

A little about who you are



  • Numerate degree (BSc, BCom, B Bus Sci, B Eng.)

  • Would benefit from courses in advanced mathematics, computer programming, economics, and operations research

  • Minimum of 2 years' working experience as a credit risk analyst

  • Working knowledge and exposure to processes such as banking or retail credit

  • Strong willingness to learn

  • Ability to critically analyse and problem solve

  • Be able to review own work with attention to detail

  • Advanced computer literacy skills with a high proficiency in MS Excel, SQL or SAS

  • Project management experience will be advantageous


Benefits



  • Flexible benefits to structure your own package

  • Creative agile work environment

  • Flexible working hours

  • Café and lounge area

  • Staff restaurant with a variety of healthy meal options


Apply before Sunday, December 8, 2019 - 22 Days left Companies may expire jobs at their own discretion. If you have not received a response within two weeks, your application was most likely unsuccessful.
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About HomeChoice

HomeChoice International PLC (HIL) is an investment holding company incorporated in Malta and listed on the JSE Limited. Through its operating subsidiaries, HomeChoice and FinChoice, the group sells innovative homewares merchandise, personal electronics and loan products to the rapidly expanding middle-income market in southern Africa through mail order (catalogue), electronic channels (Internet and mobile phone) and call centres.

The group was restructured during 2014 to facilitate expansion outside South Africa, a further step towards achieving its ambitions of becoming a pan-African retailer. HIL was established as an offshore holding company and was listed in the General Retailers sector on the JSE Limited in December 2014 with a market capitalisation of R3 billion.

The group has 3 operating segments:

RETAIL
HomeChoice is an omni-channel home shopping retailer offering an extensive range of household textiles and homeware merchandise on credit through a convenient shopping experience, together with a home delivery service. The product offering has broadened under the FoneChoice brand to include personal electronics.

FINANCIAL SERVICES
FinChoice is a niche provider of unsecured personal loan products to HomeChoice customers with good credit records. FinChoice leverages the HomeChoice customer database and marketing platforms to acquire loan customers at low cost and predictable repayment behaviour. The business focuses on short term and low-value loans.

PROPERTY
The group owns the head office building and a centralised distribution centre in Cape Town, as well as additional land adjacent to the head office which is currently being developed into a new call centre facility.