Specialist - Credit Innovation Analyst

South Africa·Johannesburgmid

OtherInnovation

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Requirements Summary

Qualifications & Exp

Technical Tools

OtherInnovation

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary

As a Credit Innovation Analyst, you will play a key role in supporting the design, enhancement, and implementation of innovative credit solutions within the Credit Innovation team. You will leverage data-driven insights, process analysis, and customer journey understanding to contribute towards scalable, customer-centric credit capabilities across the retail lending value chain.
The role involves close collaboration with Risk, Technology, Operations, Analytics, and Business teams to support the delivery of solutions that are operationally efficient, commercially viable, compliant, and aligned to strategic business objective

Support the development and execution of credit innovation initiatives aligned to business and customer strategy.
Analyse customer, operational, and credit performance data to identify improvement and innovation opportunities
Monitor product and process performance to identify optimisation opportunities and support continuous improvement initiatives

Perform advanced data analysis on customer behavior, product performance, and credit risk metrics.
Develop dashboards, reports, and visualizations to support product development and strategic decision-making.
Identify trends, patterns, and anomalies in credit data to inform product enhancements and innovation opportunities.

Conduct market research, competitor benchmarking, and customer analysis
Identify opportunities to enhance credit products and customer journeys
Monitor industry trends across credit, fintech, and digital innovation

Track and report on key product KPIs including uptake, usage, delinquency, and profitability.
Conduct post-launch analysis to assess the impact of new features or changes.
Support A/B testing and experimentation initiatives with robust data analysis.

Assist in defining data requirements for new product features and enhancements.
Work with technology and data engineering teams to ensure data availability and quality.
Support Agile delivery processes by providing timely analytical input during sprints.

Present findings and recommendations to internal stakeholders in a clear, actionable format.
Collaborate with Risk, Compliance, Finance, and Product teams to ensure alignment on data-driven decisions.

Requirements

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Bachelor’s degree in Data Science, Statistics, Economics, Finance, or related field.
4 - 6 years of experience in data analysis, preferably within financial services or credit risk.
Proficiency in data tools such as SQL, Python, R, Excel, and visualization platforms (e.g., Power BI, Tableau).
Exposure to Agile product development and innovation environments is a plus.

Strategic thinking and innovation
Strong analytical and problem-solving skills.
Data-driven decision making
Ability to translate complex data into clear business insights.
Excellent communication and stakeholder engagement abilities.
Curious, detail-oriented, and proactive in identifying opportunities.

Data Wrangling & Visualization, Statistical Analysis, Credit Risk Metrics, Business Intelligence Tools, A/B Testing, Customer Segmentation, Agile Fundamentals.

Communicates Effectively, Collaborates, Action-Oriented, Plans and Aligns, Tech Savvy, Manages Ambiguity, Resourcefulness.

What We Offer

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Join a high-impact function at the forefront of credit innovation, where you will contribute to shaping next-generation lending solutions and driving meaningful business and customer outcomes.

Education

Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required), Bachelor Honours Degree: Information Technology

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised