Credit Risk: Analyst: Home Loans Property Risk and Analytics

Key Accountabilities

1. Strategy Design & Analysis

• 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.

2. Management Information (MI) & Communication

• 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.

3. Customer Complaints Management

• 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.

Education & Experience

• 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).

Knowledge & Skills

• 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)

Core Competencies

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