Job Description

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.

• Engage with relevant stakeholders to obtain key related information which may affect the test and/or test outcome
• Develop strategies to grow New Accounts through Direct Marketing Initiatives within legislative framework
• Providing analytical solutions to complex business problems
• Documentation of analytical processes and results, adhering to agreed documentation standards
• Effective communication and presentation of analytical results and credit-related topics to peers and relevant stakeholders
• Quarterly re-projections of active account growth & turnover
• Profitability tracking and identification of opportunities derived from this
• Data mining of credit bureau and other external data to provide insights and trends
• Extraction and preparation of data for internal development projects as well as outsourced solutions
• Ensuring appropriate statistical methodology and data mining / analytics techniques are applied to any modelling process to deliver and deploy robust and effective models where necessary
• Model tracking to ensure effective model life cycle management

• 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, and quality of various work processes
• Organizational savvy - understands and navigates dynamics created by processes, systems, and people

Preference will be given, but not limited to candidates from designated groups in terms of the Employment Equity Act.

Who we are is because of our people. They are our greatest asset. TFG is an internationally diversified retail portfolio of 34 speciality lifestyle and apparel brands that Inspire our Customers to live their Best Lives and are woven into the lives of millions. Our vision is to create the most remarkable omnichannel experiences for our customers. TFG is more than a workplace, it's a launchpad for your growth. Join us and explore endless growth opportunities across our diverse brands. We’re a purpose-led business, and on this team, you’ll share the pride of making an impact across a whole industry.

We’re the designers, the makers, the shakers and the teams behind the scenes.

Are you with us?