Credit Intelligence Analyst II

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Date: 2 Apr 2025

Location: Stellenbosch, Western Cape, ZA

Company: Capitec Bank Ltd

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We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

2.  Once you have completed the above finalize your application by clicking apply below.

Purpose Statement

Join Capitec Bank in Stellenbosch as a Credit Intelligence Analyst and be part of an innovative team dedicated to revolutionizing the banking industry. This role offers a unique opportunity to leverage your analytical skills in credit risk management, helping us deliver smarter financial solutions to our clients.

  •  Assume end-to-end responsibility for a credit intelligence workstream through:
  •  Leading and guiding the delivery of complex analytical output.
  • Leading the identification, development, implementation, and maintenance of new credit intelligence strategies and solutions.
  • Addressing business problems relative to the credit intelligence workstream.
  • Building and maintaining new statistical models to inform credit intelligence decision-making.
  • Evaluate reporting and operations to see where they can improve in terms of productivity, efficiency and profitability.
  • Providing guidance and technical oversight to junior team members.
  • Create and implement precise management plans for every project, with attention to transparent communication at all levels.

Experience

Minimum:

   4 - 6 years’ experience in retail credit analysis (including familiarity in various programming languages, such as SQL / SAS / R / Python, descriptive and diagnostic analytics, statistical modelling, and data visualization).

· High proficiency with SQL, AWS, Azure, PowerBI and database management

· In case of Honours degree: 3 - 5 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).

· Credit intelligence performance and optimizatio

Ideal: 

  • Experience in credit recoveries, external debt collections, debt review environment, FMCG retail.

  •  Proven ability to manage projects and PoC testing.

  • Extensive experience with data visualization

  • High proficiency in technical writing

  • Experience with Capitec banking systems

  • Experience in assuming a leadership role during a project.

  • Portfolio-specific experience.

Qualifications (Minimum)

  • Bachelor's Degree in Finance or Statistics

Qualifications (Ideal or Preferred)

  • A relevant post graduate degree in Finance or Statistics

Knowledge

N/A

Skills

  • Communications Skills
  • Leadership Skills
  • Presentation Skills
  • Reporting Skills

Conditions of Employment

  • Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.