Job Description

iStore is the home of everything Apple, and Africa's largest Apple Premium Reseller. With a retail footprint of more than 33 physical and online stores across Africa that provide expert advice, Apple Authorised Repairs, Business, Education, training and technical support for anything and everything Apple.Purpose: To analyse the current and forecast financial strength of a portfolio of Business to Customer and Business to Business clients with the aim to identify portfolio related credit risks.What We Offer -

• Exceptional growth opportunity within an Entrepreneurial Business Unit
• Join a diverse team of passionate individuals and work with the world's top brands every day
• Fun and challenging environment that promises to expand and grow your skill set

• Manage lending limits
• Conduct credit reviews and credit approvals
• Manage the customer database and provide input regarding limits, ratings, Loss Given Default (LGD)
• Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company
• Manage credit risk appetite (limits) by scrutinising current portfolio exposures
• Keep portfolio current by reviewing at least once in a 12-month period
• Identify transaction specific risks including credit, taxation, accounting and legal
• Document findings and report to the credit committee
• Act as a bridge between risk and business on contentious issues

• Forecast and analyse financials and collate and model data (where required)
• Participate in meetings with senior stakeholders
• Project management i.e. track progress, manage expectations and ensure stakeholders' requirements are delivered

• Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes
• Preserves relationships despite airing conflicting views and seeks mutual gains when addressing conflicts
• Anticipates consequences and adapts problem solving based on continual feedback
• Act speedily to resolve problems, queries and complaints

• Ideally Bachelor's degree in Finance or Economics
• Ability to query, interpret, and present complex data clearly to support decision-making processes.
• Minimum 3 years' experience in credit risk analysis in the retail/banking environment, with comprehensive knowledge across the credit lifecycle
• Proven experience of successfully managing a team of credit analysts.
• Detail-oriented and able to work independently

Core Group