Data Analyst II - Credit Risk

About the role

Capitec is looking for a Data Analyst II to join its Credit Risk team and help shape credit granting decisions across multiple lending products. The role works closely with Credit Risk Owners and Decision Science teams, covering analytical modelling, scorecard development and model validation. It suits people from Financial Advisory, Risk Advisory, Quantitative Analytics, Actuarial Consulting, Data Science, Decision Science and Credit Risk Analytics backgrounds, especially those who built their careers in leading consulting firms.

Key responsibilities

• Partner with the Application Credit Risk team to support credit granting strategies across multiple lending products.
• Turn complex data into actionable insights that improve credit decisioning.
• Contribute to model development, analytical modelling support and model validation.
• Help develop, enhance and monitor application scorecards and decisioning inputs.
• Work with Decision Science teams to improve lending performance and risk outcomes.
• Use knowledge of regulatory frameworks such as IFRS 9 and Basel when interpreting model outputs and supporting risk strategies.
• Identify ways to refine processes and strengthen risk management practices.

Required profile

• 5+ years of experience in data analytics, credit risk analytics, lending, financial services or a related field.
• Experience supporting analytical model development and/or validation.
• Experience with credit decisioning, risk strategies or scorecards.
• Bachelor's degree in an analytical, data or technical field (Honours preferred).
• Clear criminal and credit record; applications considered in line with employment equity goals.

Required skills

• SAS, SQL and advanced Excel.
• Python is advantageous.
• Experience with application and behavioural scorecards, secured and unsecured lending portfolios, and model validation.
• Nice to have: exposure to provisioning and ROE-related modelling, AWS, IFRS 9 and Basel knowledge, and FRM qualification.