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Results for loans with no credit in "loans with no credit" in South Africa in South Africa

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This role is central to shaping and governing advanced credit decisioning, behavioural, and collections models across personal loans and overdrafts. The successful candidate will play a key role in strengthening portfolio performance, managing risk, and driving sustainable growth through sophisticated analytics.The primary purpose of this role is to design, implement, and continuously enhance best-practice credit, behavioural, and assessment models in line with regulatory requirements. This will enable effective risk management, improved customer outcomes, and the achievement of strategic objectives within Personal Banking.Key Responsibilities: Design and optimise credit decisioning strategies that effectively balance portfolio growth with risk appetite across personal loan and overdraft productsDrive portfolio performance by analysing and improving key ROE drivers, including NII, NIR, impairments, and underlying cost structuresIdentify innovative yet compliant opportunities within the National Credit Act (NCA) to enhance credit strategies and customer value propositionsApply advanced analytics and bureau data to build robust, efficient, and scalable decisioning modelsAnalyse the impact of loan size and term on take-up, risk, and profitability to inform credit policy and risk appetite decisionsLead, coach, and develop a small team of analysts to deliver against KPIs and strategic objectivesJob Experience and Skills Required:Education:Bachelors degree in Data Science, Statistics, Actuarial Science, Mathematics, Computer Science, or a related fieldMasters degree preferredExperience:5+ years experience in quantitative or analytical roles within the unsecured credit environmentProven experience working on personal loan and overdraft portfolios within a major South African bankStrong track record in credit risk decisioning, including scorecards, credit policies, profitability models, and impairmentsHands-on experience applying and interpreting the National Credit Act (NCA) in a credit decisioning contextDemonstrated ability to translate complex data into clear, commercially sound insightsExperience leading, mentoring, or managing analysts (minimum 2 direct reports)Skills:Advanced proficiency in SQL and Python for data analysis and model developmentStrong working knowledge of Microsoft Office, particularly ExcelExcellent quantitative, analytical, and problem-solving skillsStrong business acumen with an understanding of ROE drivers and portfolio economicsEffective stakeholder engagement and communication skillsAbility to operate in a regulated, fast-paced, and data-intensive environmentFor more https://www.executiveplacements.com/Jobs/S/Senior-Quantitative-Analyst-1250326-Job-Search-01-12-2026-00-00-00-AM.asp?sid=gumtree

Executive Placements

Kensington

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This role focuses on originating new business, facilitating the transfer of existing home loans from other financial institutions, and delivering tailored home finance solutions supported by exceptional customer service throughout the application and approval processess.Key ResponsibilitiesLead Sourcing & Business DevelopmentProactively source potential home loan clients through both reactive and proactive prospecting methodsBuild and maintain a strong referral network with estate agents, bond originators, corporate partners, and direct clientsExecute referral campaigns and participate in outdoor, mall, and community marketing initiativesSupport brand visibility through social media engagement, corporate presentations, and wellness daysClient Needs Analysis & Pre-QualificationConduct thorough needs analysis using open-ended questioning to understand clients financial and emotional requirementsPre-qualify clients by assessing background information, credit health, and affordabilityIdentify potential financial challenges and propose appropriate solutionsMaintain accurate records of leads, interactions, and follow-upsProduct Matching & AdvisoryApply strong product knowledge to match suitable home finance solutions to client needsClearly explain application procedures and applicable credit criteriaProvide upfront guidance on requirements, documentation, and any potential complexitiesEnsure all supporting documents are accurate and completeApproval & Deal ClosureExplain final approval outcomes, including all terms and conditions, to clientsClearly summarise the benefits, features, and obligations of the approved home loan packageEnsure a smooth and professional closing processClient Relationship ManagementMaintain regular contact with clients throughout the application and approval journeyProvide timely updates and clear responses to client queriesMaintain post-approval contact to ensure ongoing satisfaction and request referralsApplication Capture & File ManagementAccurately complete and capture home loan applications in line with client needs and qualification criteriaCompile, verify, and submit complete application files ready for processingEnsure compliance with internal processes and credit requirements Experience & SkillsMatric qualificationOwn reliable vehicle and a valid drivers licenseClear credit record (no debt review or adverse listings)Minimum of 2 years proven success in sales conversionsExperience in proactive prospe https://www.jobplacements.com/Jobs/P/Property-Finance-Consultant-1249407-Job-Search-1-9-2026-12-45-22-AM.asp?sid=gumtree

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Matatiele

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Adelaide

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Adelaide

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Mbombela / Nelspruit

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