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 analyse 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 scrutinising 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
  
• 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

Qualifications & Experience:

• Ideally Bachelor’s degree in Finance or Economics
• Ability to query, interpret, and present complex data clearly to support decision-making processes.
• Minimum 3 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