Job summary

Cape Town, South Africa, Africa
Career Level:
Mid Career (2+ years of experience)
Job type:
Full time

Head of Profit Optimisation & Analytics (AA/EE) (Ref 117)

About this job

Reporting to the CEO this is a senior management appointment with one of SA’s leading Financial Services companies where your role will be the continued development of world-class risk and profitability analytics capabilities for the business. This will include the integration of new external and partner data sources into their analytics models as well as facilitating  the adoption of profitability-based decisioning and optimisation throughout the company. This post carries a generous Senior Management Package.

In line with the client’s transformation plan, suitably qualified African Black candidates who meet the criteria for the role will be given preference

Qualifications, Skills and Experience

Master’s Degree in Science or Business (Statistics, Actuarial and/or Mathematics)
8+ years experience in Retail Credit Risk and Modelling
Previous Leadership Experience
Working knowledge of SAS/Paragon essential (FICO decision optimiser advantageous)
Exceptional ability to interpret data, communicate this to, and influence key stakeholders
Experience in interacting with Technical and Credit Appetite Committees
Previous collections experience advantageous
Excellent written and verbal communication skills
Good working knowledge of MS Office



Accountable for following analytical models:
Bureau, Demographic and Behavioural Risk Scorecards
Life-Time Profitability Models
Collections Analytical Models
Prepayment Propensity Models
Response Models
Conversion Models 

Profitability- Based Decisioning: Ensure that all the company’s business units are equipped with appropriate and accurate profitability models, in order to ensure that decisions are driven by expected profit impact. 

Mentor and Develop Analytics team and manage the introduction of analytical models linked to new lending products.
Developing/recommending scoring models for new business and product development.

Responsible for the company’s submissions to stakeholders technical/actuarial committees for model sign-off. 

Implementing best practice Scoring and Modelling techniques.

Owner of Optimisation Capability: Roll-out of Decision Optimisation Strategies across all lending portfolios as well as to other areas of the business such as marketing and collections. 

Owner of Optimisation Road-Map, ensuring that this is in line the company’s strategic objectives.

Collaborate with Head of Portfolio Management, Marketing and Collections to ensure analytical priorities are in line with the company’s objectives.

Improve delivery of current collections analytical capability.

Ensure projects and initiatives are delivered within required timelines. 

Be an active and engaged member of the Consumer Lending Solutions Exco and help ensure overall business goals are achieved. 

Responsible for staff engagement, recruitment and retention.

Job keywords/tags:  Statistics , Actuarial and/or Mathematics)
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