The ideal candidate will have expertise in developing and managing scorecards, profitability models, impairments, and credit policies, while leading a team of professionals.

Key Responsibilities:

• Design, develop, and maintain credit risk models, including scorecards and profitability models.
• Drive strategic decision-making through advanced quantitative analysis.
• Oversee impairment calculations and ensure compliance with credit policies.
• Lead and mentor a team of analysts, fostering a culture of excellence and collaboration.
• Partner with stakeholders to optimize credit risk strategies and portfolio performance.

Required Skills & Experience:

• Proven experience in banking with a focus on credit risk decisioning.
• Strong knowledge of scorecards, profitability models, impairments, and credit policies.
• High proficiency in:
  • SQL;
  • Python; and
  • Microsoft Office Suite.
• Demonstrated people management and leadership skills.
• Excellent analytical, problem-solving, and communication abilities.

? Send your CV and a brief cover letter to *****@*****.co.za

Apply now!
For more exciting Finance vacancies, visit:
networkrecruitmentinternational.com
Specializations include:

• Actuarial roles (Life, Short-Term, Health, Pensions, Quantitative)
• Data Scientists & Data Analysts (Python, R, SQL, Machine Learning)
• Risk Analysts (Credit, Market, Model, Operational Risk)
• Pricing Specialists (Insurance & Financial Products)
• Machine Learning & AI Specialists (MLOps, NLP, Predictive Modelling)
• Quantitative professionals across Banking, Insurance & FinTech

If you do not hear from us within two weeks, please consider your application unsuccessful. Your profile will remain on our database for future opportunities.

For more information, contact:
Kholo Mongalo
Recruitment Researcher – Actuarial & Analytics
? www.********.co.za

The primary purpose of this role is to design, implement, and continuously enhance best-practice credit, behavioural, and assessment models in line with regulatory requirements. This will enable effective risk management, improved customer outcomes, and the achievement of strategic objectives within Personal Banking.

Key Responsibilities:

• Design and optimise credit decisioning strategies that effectively balance portfolio growth with risk appetite across Personal Loan and Overdraft products
• Drive portfolio performance by analysing and improving key ROE drivers, including NII, NIR, impairments, and underlying cost structures
• Identify innovative yet compliant opportunities within the National Credit Act (NCA) to enhance credit strategies and customer value propositions
• Apply advanced analytics and bureau data to build robust, efficient, and scalable decisioning models
• Analyse the impact of loan size and term on take-up, risk, and profitability to inform credit policy and risk appetite decisions
• Lead, coach, and develop a small team of analysts to deliver against KPIs and strategic objectives

Job Experience and Skills Required:
Education:

• Bachelor’s degree in Data Science, Statistics, Actuarial Science, Mathematics, Computer Science, or a related field
• Master’s degree preferred

Experience:

• 5+ years’ experience in quantitative or analytical roles within the unsecured credit environment
• Proven experience working on Personal Loan and Overdraft portfolios within a major South African bank
• Strong track record in credit risk decisioning, including scorecards, credit policies, profitability models, and impairments
• Hands-on experience applying and interpreting the National Credit Act (NCA) in a credit decisioning context
• Demonstrated ability to translate complex data into clear, commercially sound insights
• Experience leading, mentoring, or managing analysts (minimum 2 direct reports)

Skills:

• Advanced proficiency in SQL and Python for data analysis and model development
• Strong working knowledge of Microsoft Office, particularly Excel
• Excellent quantitative, analytical, and problem-solving skills
• Strong business acumen with an understanding of ROE drivers and portfolio economics
• Effective stakeholder engagement and communication skills
• Ability to operate in a regulated, fast-paced, and data-intensive environment
• For more exciting Actuarial and Analytics vacancies, please visit:
  Network Recruitment International – Finance Jobs

I also specialise in recruiting in the following:

• Actuarial: Life, Short-Term, Health, Pensions, and Quantitative
• Data & Analytics: Data Scientists, Data Analysts (Python, R, SQL, Machine Learning)
• Risk: Credit Risk, Market Risk, Model Risk, and Operational Risk Analysts
• Pricing: Specialists in Insurance and Financial Products
• AI & Machine Learning: ML Ops, NLP, Predictive Modelling Data Scientists
• Quantitative: Experts across Banking, Insurance, and FinTech

If you have not had any response in two weeks, please consider the vacancy application unsuccessful. Your profile will be kept on our database for any other suitable roles / positions.

For more information, contact:
Zahrah Gani
Specialist Recruitment Consultant
? Connect with me on LinkedIn

The ideal candidate will have expertise in developing and managing scorecards, profitability models, impairments, and credit policies, while leading a team of professionals.

Key Responsibilities

• Design, develop, and maintain credit risk models, including scorecards and profitability models.
• Drive strategic decision-making through advanced quantitative analysis.
• Oversee impairment calculations and ensure compliance with credit policies.
• Lead and mentor a team of analysts, fostering a culture of excellence and collaboration.
• Partner with stakeholders to optimize credit risk strategies and portfolio performance.

Required Skills & Experience

• Proven experience in banking with a focus on credit risk decisioning.
• Strong knowledge of scorecards, profitability models, impairments, and credit policies.
• High proficiency in:
  • SQL
  • Python
  • Microsoft Office Suite
• Demonstrated people management and leadership skills.
• Excellent analytical, problem-solving, and communication abilities.

? Send your CV and a brief cover letter to *****@*****.co.za

Apply now!
For more exciting Finance vacancies, visit:
networkrecruitmentinternational.com
Specializations include:

• Actuarial roles (Life, Short-Term, Health, Pensions, Quantitative)
• Data Scientists & Data Analysts (Python, R, SQL, Machine Learning)
• Risk Analysts (Credit, Market, Model, Operational Risk)
• Pricing Specialists (Insurance & Financial Products)
• Machine Learning & AI Specialists (MLOps, NLP, Predictive Modelling)
• Quantitative professionals across Banking, Insurance & FinTech

If you do not hear from us within two weeks, please consider your application unsuccessful. Your profile will remain on our database for future opportunities.

For more information, contact:
Kholo Mongalo
Recruitment Researcher – Actuarial & Analytics
? www.********.co.za