Senior Credit Analyst

homechoice is a leading South African homeware retailer. For 40 years weve helped our customers create beautiful homes they love with an innovative range of quality products they can afford. We are seeking a dynamic and data-driven professional to support decision-making across Credit Risk, Collections and Sales Channels by developing, maintaining, and analyzing data processes, credit strategies, and predictive analytics. This role sits at the intersection of data science and credit risk analytics, using data, statistical techniques, and analytical modelling to monitor credit portfolio performance, optimize collections strategies, and support responsible credit growth within the business. What you will love doing in this role Credit Risk and Collections Analytics Analyze credit portfolio performance across the customer lifecycle including acquisition, account management and collections. Identify trends and risks in customer credit behavior to support improved credit and collections strategies. Provide insights that improve collections performance and portfolio quality. Data Processing, Selections and Implementation Develop and maintain data processing procedures and customer selections used in credit and collections activities. Extract and manipulate large datasets using SQL and other analytical tools. Work closely with Business and IT teams to implement data-driven solutions and strategies. Predictive Model Monitoring and Support Support the monitoring and maintenance of predictive models used for credit risk decisioning and collections optimization. Ensure model performance remains stable over time and identify performance degradation early. Develop scripts and monitoring processes to track model outputs and input data integrity. Reporting and Analytical Insights Produce accurate and insightful reports that support credit risk management and collections performance monitoring. Apply statistical techniques to quantify uncertainty and validate analytical findings. Present insights clearly to guide business decisions and strategy adjustments. Best Practice and Analytical Standards Apply statistical and analytical best practices in daily work. Contribute to improving analytical processes, coding standards and documentation within the team. Data Science Toolkit and Automation Contribute to maintaining and improving the teams analytical code base and data tools. Develop efficient code and automated processes that reduce manual work while maintaining output quality. Ensure automated processes include sufficient logging and monitoring to maintain trust in outputs. What youll need to do this role Bachelors Degree in a numerate discipline (Statistics, Mathematics, or similar); Honors desirable. Strong SQL/SAS programming and data manipulation skills. Experience in credit risk, collections analytics, or data science within financial services or retail credit. Proficiency in Excel and analytical reporting tools. Understanding of credit risk management, collections strategies and retail credit portfolios. Knowledge of statistical analysis and predictive modelling techniques. Experience working with SAS or similar analytical platforms is advantageous. Exposure to fraud analytics beneficial. What we will love about you A strong can-do attitude with energy, resilience, and a drive for results. An innovative thinker who thrives on solving complex business challenges. Attention to detail and strategic mindset in equal measure. Quick to learn, adaptable, and always looking to raise the bar in fraud risk management. Behaviors we love Wow my customer Walk in my customers shoes Deliver on my promises Deliver insight-led solutions my customers need Treat the business as my own Take accountability Be curious, creative & explore opportunities Do it right & at the right time Play as a team Be helpful Be inclusive Find the fun