{"id":190362,"date":"2025-05-27T15:55:38","date_gmt":"2025-05-27T14:55:38","guid":{"rendered":"https:\/\/welovesalt.com\/za\/jobs\/%wpbb_job_industry%\/commercial-analyst-portfolio-and-impairments"},"modified":"2025-07-12T14:10:46","modified_gmt":"2025-07-12T13:10:46","slug":"commercial-analyst-portfolio-and-impairments-190362","status":"archive","type":"wpbb_job","link":"https:\/\/welovesalt.com\/za\/jobs\/accounting-finance\/commercial-analyst-portfolio-and-impairments-190362","title":{"rendered":"Commercial Analyst Portfolio and Impairments"},"content":{"rendered":"

Commercial Funnel & Data Science Analyst – Drive Portfolio Performance with Data!<\/strong><\/h3>\n

Are you passionate about turning data into strategy and machine learning into measurable results? Do you thrive in a fast-paced, tech-driven environment where innovation powers financial solutions? If so, we want you on our team!<\/p>\n

A high-growth fintech company is on the hunt for a Commercial Funnel & Data Science Analyst<\/strong> to optimize the customer journey from funding to collections – using data science, machine learning, and advanced analytics to uncover insights that drive profitability and performance.<\/p>\n

What You’ll Be Doing<\/strong><\/h3>\n

As a Portfolio & Impairment Analyst<\/strong>, you’ll play a central role in shaping the success of our lending portfolio. From identifying high-risk loan segments to refining our collections strategy, your insights will power smarter decisions and sustainable growth.<\/p>\n

Loan Portfolio Performance & Risk Analysis<\/p>\n

    \n
  • Track and analyse loan behavior post-funding – from arrears to recoveries.<\/li>\n
  • Build predictive models using machine learning to segment risk and forecast performance.<\/li>\n
  • Evaluate macroeconomic factors and their influence on credit trends.<\/li>\n<\/ul>\n

    Collections Strategy & Performance<\/p>\n

      \n
    • Deliver actionable insights to improve collections efficiency across multiple channels (call centre, digital, external).<\/li>\n
    • Refine scoring models to prioritize recovery actions and reduce bad debt.<\/li>\n
    • Use NLP for sentiment analysis to enhance customer interaction strategies.<\/li>\n<\/ul>\n

      Impairment Forecasting & Predictive Modelling<\/p>\n

        \n
      • Develop and maintain IFRS 9-aligned impairment models using advanced ML\/statistical techniques.<\/li>\n
      • Forecast long-term portfolio trends and run stress-testing scenarios.<\/li>\n
      • Collaborate with finance teams to inform provisioning strategies.<\/li>\n<\/ul>\n

        Advanced Data Science & Real-Time Analytics<\/p>\n

          \n
        • Leverage AI and ML for fraud detection, early warnings, and risk prediction.<\/li>\n
        • Build data pipelines and deploy models for real-time decision-making.<\/li>\n
        • Tackle structured and unstructured data to unlock new value.<\/li>\n<\/ul>\n

          Reporting & Insight Delivery<\/p>\n

            \n
          • Create dynamic dashboards with tools like Tableau, Redash, or Looker.<\/li>\n
          • Use Python, R, or PostgreSQL to deep-dive into performance data.<\/li>\n
          • Automate reporting processes and deliver high-impact business insights.<\/li>\n<\/ul>\n

            What You Bring<\/strong><\/h3>\n
              \n
            • A Postgraduate Degree in Statistics, Actuarial Science, Data Science, or similar (Master’s preferred).<\/li>\n
            • 3+ years of experience in data analytics, data science, or marketing analytics – preferably in fintech, online lending, or banking.<\/li>\n
            • Strong coding skills in Python, R, or PostgreSQL.<\/li>\n
            • Deep understanding of credit risk, lending models, and collections.<\/li>\n
            • Experience building and maintaining impairment models and forecasting expected credit losses.<\/li>\n
            • Proficiency with data visualization tools (Tableau, Redash, Looker).<\/li>\n
            • A curious, problem-solving mindset and the ability to transform data into strategy.<\/li>\n<\/ul>\n

              Why Join Us?<\/h3>\n

              Work with cutting-edge technology, a collaborative team of data experts, and a mission-driven company that’s redefining digital finance. Your work will directly influence customer experience, financial health, and strategic growth.<\/p>\n

              Ready to turn data into impact? Apply now and help shape the future of fintech.<\/strong><\/p>\n

              Salt is acting as an Employment Agency in relation to this vacancy.<\/p>\n

              <\/p>\n","protected":false},"excerpt":{"rendered":"

              Commercial Funnel & Data Science Analyst – Drive Portfolio Performance with Data! Are you passionate about turning data into strategy and machine learning into measurable results? Do you thrive in a fast-paced, tech-driven environment where innovation powers financial solutions? If so, we want you on our team! A high-growth fintech company is on the hunt…<\/p>\n","protected":false},"template":"","wpbb_job_industry":[1489],"wpbb_job_location":[1095],"wpbb_job_type":[9],"wpbb_job_skill":[],"wpbb_job_locationType":[],"class_list":["post-190362","wpbb_job","type-wpbb_job","status-archive","hentry","wpbb_job_industry-accounting-finance","wpbb_job_location-cape-town","wpbb_job_type-permanent"],"acf":[],"_links":{"self":[{"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/wpbb_job\/190362","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/wpbb_job"}],"about":[{"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/types\/wpbb_job"}],"wp:attachment":[{"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/media?parent=190362"}],"wp:term":[{"taxonomy":"wpbb_job_industry","embeddable":true,"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/wpbb_job_industry?post=190362"},{"taxonomy":"wpbb_job_location","embeddable":true,"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/wpbb_job_location?post=190362"},{"taxonomy":"wpbb_job_type","embeddable":true,"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/wpbb_job_type?post=190362"},{"taxonomy":"wpbb_job_skill","embeddable":true,"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/wpbb_job_skill?post=190362"},{"taxonomy":"wpbb_job_locationType","embeddable":true,"href":"https:\/\/welovesalt.com\/za\/wp-json\/wp\/v2\/wpbb_job_locationType?post=190362"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}