Senior Credit Analyst

iStore is the home of everything Apple, and Africa’s largest Apple Premium Reseller. With a retail footprint of more than 33 physical and online stores across Africa that provide expert advice, Apple Authorised Repairs, Business, Education, training and technical support for anything and everything Apple. 

Purpose: To provide quantitative and qualitative assessments of the current and forecast
financial strength of a portfolio of Business to Customer and Business to Business clients with
the aim to identify portfolio related credit risks

What We Offer – 
 Exceptional growth opportunity within an Entrepreneurial Business Unit
 Join a diverse team of passionate individuals and work with the world’s top brands every day
 Fun and challenging environment that promises to expand and grow your skill set

Responsibilities:
 Manage lending limits
 Conduct credit reviews and credit approvals
 Manage the customer database and provide input regarding limits, ratings, Loss Given Default (LGD)
 Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company
 Manage credit risk appetite (limits) by scrutinizing current portfolio exposures
 Keep portfolio current by reviewing at least once in a 12-month period
 Identify transaction specific risks including credit, taxation, accounting and legal
 Document findings and report to the credit committee
 Act as a bridge between risk and business on contentious issues
 Remain objective and present both arguments and pros and cons
 Forecast and analyse financials and collate and model data (where required)
 Participate in meetings with senior stakeholders
 Project management i.e. track progress, manage expectations and ensure stakeholders’ requirements are delivered

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
 Adapt communication styles to meet the needs of different audiences
 Plan and manage own workflow, anticipating obstacles, juggling priorities and following
through on objectives within agreed time-frames and according to quality standards
 Stay relevant and up-to-date with legislations and new development
 Maintain a positive attitude and respond openly to feedback
 Able to work in a fast-paced, constantly evolving environment whilst juggling multiple
tasks
 Take ownership of personal career development, leveraging formal and informal opportunities
 Act in an ethical, transparent and morally defensible manner, including highlighting unethical practices
 Continually share, debate and communicate learning’s

Qualifications & Experience:
 Ideally Bachelor’s degree in Finance, Economics or related field or CA (SA) or CFA
 Ability to query, interpret, and present complex data clearly to support decision-making
processes.
 Minimum 6 years’ experience in credit risk analysis in the retail/banking environment, with comprehensive knowledge across the credit lifecycle
 Proven experience of successfully managing a team of credit analysts.
 Detail-oriented and able to work independently