Senior Specialist: MI and Reporting at Discovery Limited

Job Purpose

• The Credit Management team is responsible for the management and strategy setting of the entire credit life cycle, including acquisitions, account management, collections & modelling and measurement. This requires expert analytical capabilities and the creation of optimal data assets to support monitoring, measurement and predictive model development to optimize key outcomes from a credit management perspective. The Credit MI specialist plays a very important role in supporting the credit management team in all these activities.

Areas of responsibility may include but are not limited to:

Business reporting

• Run, maintain and automate all daily/weekly/monthly/ad hoc reports via dashboards or other user-friendly methods
• Work closely with the credit risk management team on the implementation and scheduling of new reporting requirements
• Responsible for the monthly performance monitoring of all models & strategies across the Retail portfolio
• Monitoring of the budgeted vs actual performance of credit related metrics
• Provide weekly, monthly & quarterly monitoring of key risk indicators (KRI) metrics pertaining to credit risk management
• Mentoring, coaching and sharing knowledge within the team
• Adhoc reporting including data extraction and analysis.

Internal governance reporting

• Prepare, optimize and automate all reporting for regular internal governance committee meetings
• Maintain, monitor & execute daily, weekly & monthly assurance reports
• Ensure compliance with RADARR principles across all key credit metrics & reporting
   

Regulatory reporting

• Manage the delivery of regulatory reporting items within the credit risk management space, including:
• SACRRA
• Form39
• Visa
• BA returns

Data assets & dashboards

• Support the credit management team to create reusable data assets to enable monitoring, measurement and predictive model development
• Work closely with the Bank’s data warehouse team to ensure these get optimized & automated
• Monitoring, improving & optimizing existing data assets
• Monitoring, improving & optimizing Power BI dashboards as required by business

Personal Attributes and Skills

• A keen interest in all things data – exploration, analytics and creating information from the noise
• Resourceful and tenacious
• Self-motivated
• Focused on driving results
• Detail-oriented
• Organised and process oriented; ability to manage time effectively
• Ability to convey complex data in a concise understandable manner and distil the key messages
• Strong problem-solving skills
• Ability to work effectively across varying levels of management and multi-disciplinary teams
• Strong verbal and written reporting skills
• Quantitative / qualitative analytical skills

Education and Experience

• BSc/BCom Computer Science / Statistics / Applied Maths / Computer Engineering
• Minimum 8 years’ experience in Data warehouse / MI team, preferably within a Credit Risk Space
• Experience in data warehousing & managing technologies
• Retail banking experience is preferred

Technical skills or knowledge

• Programming capabilities in SAP HANA (SQL) / SAS / MS SQL Server (SQL) / Python
• Creating dashboards & data visualizations in Power BI or similar tools
• Knowledge of SDLC, Unit Testing, Database structures, Technical Change Control
• Technical stack (database platform, data movement and reporting)
• Data modelling
• Data transformation and transfer (ETL)
• Change data capture (CDC)
• Confluence - documentation of data assets and reports