Description:
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
- 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
- Ability to query, interpret, and present complex data clearly to support decision-making processes.
- Minimum 2-3 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
At Core Group, we value the power of in-person collaboration in driving innovation, teamwork, and excellence. To support this, we have transitioned back to a full-time office environment. This approach enables us to cultivate a dynamic and engaging workplace where our teams can connect, collaborate effectively, and achieve outstanding results together.
Requirements:
- 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
- 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
- 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
- Ideally Bachelor’s degree in Finance, Economics or related field
- Ability to query, interpret, and present complex data clearly to support decision-making processes.
- Minimum 2-3 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
03 Apr 2025;
from:
careers24.com