Credit Risk: Analyst: Home Loans Property Risk and Analytics

Job Summary

• Develop and implement data-driven risk strategies to enhance portfolio performance.
• Source, consolidate, and analyse large datasets using SAS, identifying key trends, patterns, and anomalies.
• Collaborate with cross-functional stakeholders including Sales, IT, Front-End, Collections, Finance, and Risk teams.
• Support New Product Development through analytical input and product refinement assessments.
• Identify gaps in acquisition strategies and recommend improvements to optimise processes.
• Present analytical findings and strategic recommendations to both technical and non-technical stakeholders.
• Perform User Acceptance Testing (UAT) and post-implementation monitoring to ensure effectiveness of strategy changes.
• A strong foundation in quantitative analysis, statistics, or actuarial science, combined with the ability to manage projects end-to-end—from data extraction to implementation—is critical for success in this role.

• Produce and analyse monthly MI reports, providing clear, insight-driven commentary on key risk indicators.
• Identify areas of concern and develop actionable remediation plans.
• Continuously enhance and manage risk-based reporting metrics.
• Communicate insights effectively to a diverse stakeholder audience.
• Facilitate strategy approval and sign-off processes, ensuring alignment and awareness across the business.
• Work closely with operational teams to ensure strategies perform optimally.
• Ensure all strategies comply with credit risk policies and relevant frameworks.

• Investigate and resolve escalated customer complaints efficiently and fairly.
• Provide clear, timely feedback on outcomes to relevant stakeholders.
• Manage complaints relating to both new business acquisitions and existing customers.

• Bachelor’s Degree in Business, Mathematics, Statistics, Operational Research, Industrial Engineering, Risk Management, or related field.
• Minimum 3 years’ experience in:
• Data analysis
• SAS (or similar statistical tools)
• Handling large, complex datasets
• Advanced proficiency in Microsoft Office (Excel, PowerPoint, Word).

• SAS programming and data analytics
• Strong understanding of credit risk metrics
• Problem-solving and analytical thinking
• Effective verbal and written communication
• Project management
• User Acceptance Testing (UAT)
• Knowledge of System Development Life Cycle (SDLC)

• Decision-making and initiative
• Analytical capability
• Relationship building and collaboration
• Planning and organisational skills
• Influencing and stakeholder management
• Adaptability and resilience
• Technical proficiency

Education

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised