Credit Analyst - Johannesburg, South Africa - FirstRand
Description
Job DescriptionTo analyse credit data to estimate the degree of risk in extending credit or lending money to ensure year on year total consumer revenue growth
- Deliver against operational and cost targets
- Prioritise resource allocation to minimise and reduce wastage
- Monitor costs for the financial year according to the operational plan
- Allocates and approves expenditure
- Review cost reports and resolves or explains variances to the budget
- Identify, control and escalate potential risks that may lead to increased costs
- Manage costs or expenses within approved budget to achieve cost efficiencies
- Deliver customer experience excellence aligned to Organisational values and service standards
- Build professional longterm relationships with customers based on trust that builds the brand
- Collect and interrogate information and feedback to ensure full understanding of customer needs to deliver a quality service
- Provide customers with relevant information to keep them informed of products and service options
- Ensure full understanding of customer needs to deliver a quality service
- Ensure customer service solutions are aligned to the business operational plan; Organisational values and service standards
- Communicate how customer service solution will be implemented and secures buyin
- Ensure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service options
- Ensure resolution of customer queries and complaints timeously and ownership of issues
- Analyse customer feedback to help improve customer service
- Propose ideas to improve customer service
- Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buyin
- Engage in crossfunctional relationships to obtain and to provide work support
- Implement, monitor and control business processes according to quality standards; policy; and compliance and governance requirements in area of accountability
- Ensure the development, alignment, mapping and implementation of endtoend processes aligned to the customer journey map
- Research, enable and consult on improvements and opportunities to harness technology and platform enablement
- Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancy
- Monitor customer feedback reports and align processes to maximise efficiencies
- Improve business decisions by providing accurate and reliable business intelligence (information) together with analysing trends and data
- Provide regular reports on delivery of services against agreed service level agreements and in terms of overall customer targets
- Accumulate information to review work progress that provides input to reporting, decision making and the identification of improvement opportunities
- Ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability
- Ensure implementation of relevant policies, governance and practice standards across the business
- Maintain knowledge on relevant legislative amendments, industry best practices and internal compliance procedures and requirements
- Ensure compliance is adopted in terms of systems and procedures as laid out by organisation and review in response to audit findings and changes
- Develops an understanding of risks and risk management approaches Implement and provide input into the development of governance and compliance procedures and processes within area of specialisation and identify risks
- Educates others and makes suggestions for improvements Networks and participates in specialist risk forums where required
- Provide input into the development of the business area tactical strategy in achievement of the overall business strategy
- Develop and implement an area operational plan in achievement of Business objectives
- Assess own performance against competencies and skills required delivery
- Identify development needs and select effective solutions to address own development need
- Prepare a personal development plan with management to implement and review as required
- Monitor own progress against development plan and measure impact of results
- Promote teamwork and inclusivity amongst team members and demonstrates behaviours that respect diversity
- Partner and collaborate with team members to achieve team success
- Share information and knowledge that benefits the team
Application Closing Date
18/02/24
More jobs from FirstRand
-
Functional Configuration Consultant
Johannesburg, South Africa - 5 days ago
-
Exchange Control Specialist
Johannesburg, South Africa - 1 week ago
-
Deal Maker Specialised Finance
Johannesburg, South Africa - 1 week ago
-
Branch Advisor Fais
Randburg, South Africa - 1 week ago
-
Compliance Monitoring Manager
Johannesburg, South Africa - 4 days ago
-
Cash Supervisor D
Johannesburg, South Africa - 1 week ago