Credit Risk & Financial Modelling Analytics Specialist
Principa
Date: 3 weeks ago
City: Cape Town, Western Cape
Contract type: Full time
About Principa
Principa is an international data analytics company based in South Africa. Our data scientists, developers and consultants work together to develop data analytics products and solutions that derive answers, predictions and recommended actions from large and complex data sets for over 150 companies in 30 countries in Africa, Middle East and Europe.
We are experts in using data insights to predict human behaviour and drive the optimal outcome: from identifying the most profitable customers or account holders to target to identifying and targeting your most cost-effective marketing initiative for a defined market segment. Our aim is to turn data into wisdom that enables companies to work wonders.
We take data, organise it into information, interpret the data and draw insights to give you an understanding of your current situation. We then apply our knowledge and experience to help you make decisions and develop strategies that improve or change your situation. Together with our data analytics skills and products, industry experience, and technology we help companies work wonders.
Our Values
The Financial Modelling Analytics Specialist is one of the key individuals in our Predictive Analytics team that will be responsible for the development and delivery of Provision and Profit models across various industries and in compliance with the new IFRS 9 regulations. They will be responsible for meeting the client’s expectations on projects in relation to results, quality, budgets and timelines.
The Specialist will also be required to innovate within the financial analytics space as well as analytical solutions outside of financial modelling and showcase innovative solutions with possibly limited resources. Typical assignments will involve applying advanced analytical techniques to extract maximum value out of data, constructing data driven models, providing insights and presentation of results with key recommendations.
Key Responsibilities
Principa is an international data analytics company based in South Africa. Our data scientists, developers and consultants work together to develop data analytics products and solutions that derive answers, predictions and recommended actions from large and complex data sets for over 150 companies in 30 countries in Africa, Middle East and Europe.
We are experts in using data insights to predict human behaviour and drive the optimal outcome: from identifying the most profitable customers or account holders to target to identifying and targeting your most cost-effective marketing initiative for a defined market segment. Our aim is to turn data into wisdom that enables companies to work wonders.
We take data, organise it into information, interpret the data and draw insights to give you an understanding of your current situation. We then apply our knowledge and experience to help you make decisions and develop strategies that improve or change your situation. Together with our data analytics skills and products, industry experience, and technology we help companies work wonders.
Our Values
- Client Value Creation
- Respect For The Individual
- Innovation
- Integrity
- Our People
- Performance
The Financial Modelling Analytics Specialist is one of the key individuals in our Predictive Analytics team that will be responsible for the development and delivery of Provision and Profit models across various industries and in compliance with the new IFRS 9 regulations. They will be responsible for meeting the client’s expectations on projects in relation to results, quality, budgets and timelines.
The Specialist will also be required to innovate within the financial analytics space as well as analytical solutions outside of financial modelling and showcase innovative solutions with possibly limited resources. Typical assignments will involve applying advanced analytical techniques to extract maximum value out of data, constructing data driven models, providing insights and presentation of results with key recommendations.
Key Responsibilities
- Development of PD models, EAD models, LGD models, Survival analysis
- Using Markov Analysis to develop Portfolio Level Provision Forecasts Models
- Profit model development – historic and forecasted
- Development of other predictive models across the credit life cycle and in other industries
- Provide best practice consulting advice to a wide range of organisations that rely on data to drive their business, domestically and internationally
- Provide day-to-day consulting assistance across multiple clients
- Analyse reports and results and perform investigative analytics to solve problems
- Compile professional consulting reports and presentations for delivery to clients
- Develop close relationships with clients to identify additional areas for development and assistance
- Work closely with other departments on joint projects, such as sales, marketing, software and consulting
- Discuss with client innovative solutions to their business problems
- Drive new product innovation within the analytics team
- Preferred minimum of BSc/BComm in statistics, engineering, mathematics, finance or related field
- At least 8 years in consumer credit analytics, with specific focus on Financial Modelling and a proven track record in this space.
- Strong analytical abilities
- Analytical software: good knowledge of SAS or other leading statistical software
- A very good working knowledge of Financial modelling and associated techniques
- A very good working knowledge of new tools and techniques within predictive modelling / data science space
- Ability to multi-task, prioritise with a sense of urgency and work under pressure to tight deadlines
- Demonstrate a thirst for knowledge and desire to grow and learn
- Excellent customer service orientation
- Strong presentation skills
- Ability to work with foreign cultures
- Ability to improvise and adapt principles into alternative environments
- Proficient in Excel, VBA, Word and PowerPoint
- SQL experience will be an advantage
- Python experience will be an advantage
- The position is hybrid and with teams mostly working remotely. But we prioritise in person time for collaboration and will require travel to client sites in South Africa and possibly abroad.
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