Credit Intelligence Analyst II

Join us in becoming the Best Bank in the World

We appoint energized and motivated people for their potential and continuously look for talented, driven individuals to help us innovate and evolve. That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to build a brand that we are proud of and earns the trust of our clients.

Who We Are

We are a bank, but we’re much more than that. We believe that banking is about enabling people to control their financial lives through banking that is simplified, accessible, affordable, and delivered through personal experience. By helping our clients manage their financial lives better, we enable them to live better.

Why Choose Us

At Capitec, we offer our best by living up to our CEO values in every situation – we always put the Client first, act with Energy and take Ownership. And to support people in being their best, our Employee Value Proposition offers every value to all team members through cohesive teams, growth opportunities as well as employee benefits and savings. We make it a priority to ensure that each member of the Capitec team feels welcome, valued, focused, and has the opportunity to grow.

About the Role

The aim of this role is to use behavioural economics principles and analytics to create education and incentive programs to help clients to improve their credit health (and help Capitec to improve bad debt performance). If you are an energetic individual who wants to make a difference to South Africa, can seamlessly blend analytics and creativity, who is hungry to grow, and has a deeply seated curiosity, don’t miss this opportunity.  You will collaborate with the profitability, propensity, and client engagement teams to build a holistic credit benefit value proposition.

Our Ideal Candidate

Minimum:

• 4 - 6 years’ experience in retail credit analysis (or marketing analytics) (including programming in SQL / SAS / R / Python, descriptive and diagnostic analytics, statistical modelling, and data visualisation).
• In case of Honours degree: 3 - 5 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).  
• Credit intelligence performance and optimisation.
• Experience with Stakeholder engagement.

Ideal: 

• Experience in Behavioural Economics and Design Thinking
• Experience in assuming a leadership role during a project.
• Portfolio specific experience
• Capitec Bank experience

Qualification

Minimum:

• Bachelors Degree in Finance / Maths/ Statistics/ Behavioural Economics/ Quantitative Risk Management

Ideal:

• Relevant post graduate qualification in Finance/ Maths/ Statistics/ Behavioural Economics/ Economics/ Quantitative Risk Management

What will you be doing

• Lead the analysis, design and proposal of credit intelligence policies/solutions/processes/ strategies.
• Address credit intelligence business problems.
• Statistical modelling.
• Reporting.
• Best practice and knowledge sharing.
• Stakeholder engagement.

Conditions of Employment