Credit Risk Analyst

A challenging opportunity has arisen within the Credit Department of TFG Financial Services for a curious, highly motivated individual to drive strategies, provide analytical support and to quantify strategic initiatives in order to drive healthy growth on the TFG credit book.

This role is required to provide dedicated support to the core activities that drive new account growth and credit turnover. Working as a Credit Growth Analyst, you will have a strong ability to translate data into a story, be able to make recommendations based on findings and be a good team player. You will also need to be numerate with a strong commitment to the improvement of the credit risk strategy.

• A degree in a numerate discipline, preferably Statistics / Mathematics / Operations Research / Engineering (Honours / Masters degree preferable)
• 3–5 years’ experience in a credit risk or credit analyst role
• Knowledge and experience in statistical/data management software packages (SAS/SQL) Enterprise Miner would be advantageous
• Excel experience
• Knowledge of the credit industry and credit life cycle management is preferred
• Hands-on experience of large-scale customer database data interrogation and manipulation would be advantageous
• Experience with data mining and statistical techniques such as logistic regression, decision trees, cluster analysis etc. is preferred 

Skills:

• Advanced Excel skills
• SAS/SQL data manipulation on large datasets
• Excellent data interpretation skills
• Good strategic and conceptual abilities  
• Advanced problem solving, judgment and self management skills Risk Management
• Ability to make sound, data‑driven decisions in a fast‑moving environment
• Strong analytical and problem-solving skills Physical and Technical Access Management
• Strong communication skills with the ability to engage non-financial stakeholders
• Data Visualization

Behaviours:

• Collaborates - effectively works with others to achieve shared goals
• Decision Quality - consistently makes timely, well-rounded and informed decisions
• Ensures Accountability - takes accountability and ensures others are held to account on agreed upon performance targets
• Financial Acumen - understands and applies financial concepts and principles to make informed financial decisions  
• Instills trust - inspires trust and gains the confidence of others by displaying honesty and integrity
• Manages Complexity - interprets and simplifies complex and contradictory information when resolving organisational problems
• Optimizes Work Processes - assesses and improves the efficiency, effectiveness