46 Lending jobs in South Africa

Discovery’s core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.

About Discovery Bank – Discovery Bank is a bank like no other – a shared-value bank, designed with our clients in mind. We are all about sharing the value that clients create when they manage their money well, back with them through exceptional interest rates and rewards. Our Vitality Money programme measures how well clients manage their finances, informs them of what it means to be financially healthy, and empowers them with the knowledge to get enhanced rewards for managing their money well. If you are adaptable, a problem-solver, always questioning the way things are done, passionate about doing what is right, and obsessed with providing a quality service experience, we have a job for you where you can be your best in an environment that’s safe and nurturing.

The Credit Lending Analyst is responsible for assessing and making decisions about customer credit applications for Purple/Discovery Bank. The incumbent is also required to assist in the constant evolution of this job to match the growth phases of the digital banking business, and the needs of the customer. This role assists in keeping the credit exposure within predefined risk limits.

• Performs the role aligned to the credit risk policy and the credit standard
• Evaluates, reviews and assess clients credit data and financial statements in order to determine the degree of risk involved in lending money to them
• Determines the risk of default to the bank by assessing credit history, repayment history and credit scoring and infusion of third party data
• Assesses and make decisions about customer credit applications using a range of criteria including credit viability, customer payment history and customer credit-worthiness.
• Assists in continuous improvements of the credit lending processes to ensure the best customer experience within a digital banking environment.
• Assists in making recommendations about procedural and or policy changes for the digital banking environment.
• Interlinks with all stakeholders in relation to disputes, enquiries, escalations, and referrals to ensure all cases are addressed with TAT
• Manages exceptions and deviations from the bank risk framework
• Works within the mandates and credit limits approved by the bank to ensure proper credit sanctioning
• Facilitates credit administration to ensure applicants are addressed
• Data analysis and ability to prepare reports
• User acceptance testing

• Required:
  • Credit and risk knowledge, including ratings and methodologies
  • Ability to submit and assess credit applications
  • Ability to identify, quantify and mitigate identified credit risk
  • Knowledge of National Credit Act
  • Knowledge of Financial Intelligence Act
  • Knowledge of Consumer Protection Act
  • Knowledge of Protection of Personal Information Act
  • Knowledge of industry and market trends
  • Knowledge of the Banking Act
  • Financial analysis
  • Report writing and compilation
• Preferred:
  • Understanding of the full credit value chain.
  • Credit and lending skills and knowledge to be able to structure correctly.
  • Understanding the bank credit policy
  • Credit principles, policies and processes

• Required: A Bachelor’s degree related to finance or equivalent
• Preferred: A related credit lending qualification in a banking environment

The Company’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.

• Associate

• Full-time

• Finance and Sales

To design, structure, and execute bespoke home loan and complex lending solutions for Signature-level clients within the affluent segment. This role will act as a balance sheet specialist, working in partnership with Private Bankers to unlock tailored credit solutions, provide strategic lending advice, and enable holistic wealth creation through smart gearing strategies.

Type of Qualification: First Degree (NQF7)
Field of Study: Finance, Accounting, Economics or related

Regulatory certifications (e.g. RE5, FAIS compliant) advantageous

• 7+ years’ experience in credit structuring, complex lending, or private client lending
• Proven track record in deal origination, structuring, and execution for Wealth clients
• Deep knowledge of credit policies, deal origination, execution, and legal frameworks
• Exposure to multi-entity ownership structures (e.g. trusts, companies, joint ventures)
• Strong understanding of affluent and Signature client needs and the ability to position lending as part of a wealth strategy

• Examining Information
• Exploring Possibilities
• Following Procedures
• Interacting with People
• Asset Based Lending

About the job Business Analyst - Lending

Job Title: Business Analyst-Lending

Location: Cape Town

Duration: 6 months

Role purpose:

• Play a crucial part in ensuring the success of our Digital Operating Model; helping us to become a leading digital financial services company.
• Ensure that user requirements for the business are technically understood, documented, developed, tested, and delivered in line with user expectations within an agile environment.
• This role is responsible for creating and estimating business requirements, user and technical stories.

• Supporting the Portfolio Managers in all research, scoping, analysis, and design activities.
• To perform business analysis and design activities by assessing requirements for the Lending team in Financial services in terms of feasibility, impact, and cost, thereby assisting to create and compile accurate user stories, derivation of business rules, customer journeys, and ensure this is well documented.
• Estimate user and technical stories to help inform and prioritize backlog
• To provide technical input into system definition and design activities and facilitate the delivery of value-added solutions.
• To research / investigate current industry trends and standards in terms of technologies deployed/planned to be deployed and how that can enhance/optimize systems.
• Act as a technical liaison between business and the technical teams and ensure the required support from all areas to ensure the delivery of quality solutions.
• Ensure that projects are delivered according to requirements, and specified designs and that the technical and business teams are aligned around the same objectives and deliverables.
• To ensure that solutions are delivered through the agile delivery processes and to support the technical scrum teams with the delivery of solutions e.g. facilitation of configuration, testing, and rollout coordination.
• To research, define, and maintain industry best practices.
• To maintain, re-evaluate, optimize or automate existing business processes.
• To create reports and feedback for executive and line management.
• Perform quality assurance across business analysis documentation, vendor documentation, proposals, technical designs, test documentation, and operational handover documentation.
• To partake in all of the key agile ceremonies within the team to contribute to the successful delivery.

• Matric/Grade 12 is essential.
• 3 Year Degree / Diploma in Information Technology / Business Analysis.
• 5-8 years of business analysis/systems analysis experience preferably in a highly complex development environment.
• Agile methodology and experience preferred.
• Experience in Financial Services.
• Experience in Supply chain preferred Lending experience preferred.
• Complex business analysis use cases Group facilitation sessions.
• Change control procedures Agile Methodologies Project management Business analysis methods Product development.

Business Segment: Business & Commercial Banking

Location: ZA, GP, Johannesburg, Baker Street 30

To ensure that the allocated Business and Commercial portfolio performs within risk appetite, budgets are set appropriately and that strategic portfolio decisions are optimised. To ensure the appropriate credit risk management processes, systems and automated credit risk strategies are implemented and optimised.

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Mathematics, Statistic, Economics, Actuarial Science is essential
• Honours or Masters in Mathematics, Statistic, Economics, Actuarial Science is an advantage

Experience Required

• 7- 10 years Risk Management experience
• Experience in analytical work (ideally in Credit Risk).
• Experience in managing a credit portfolio; managing credit risk.
• Understanding of the credit value chain.

• Adopting Practical Approaches
• Articulating Information
• Developing Expertise
• Documenting Facts
• Examining Information
• Exploring Possibilities
• Coaching and Mentoring

About Discovery

Discovery’s core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.

About Discovery Bank

Discovery Bank is a bank like no other – a shared-value bank, designed with our clients in mind. We are all about sharing the value that clients create when they manage their money well, back with them through exceptional interest rates and rewards. Our Vitality Money programme measures how well clients manage their finances, informs them of what it means to be financially healthy, and empowers them with the knowledge to get enhanced rewards for managing their money well. If you are adaptable, a problem-solver, always questioning the way things are done, passionate about doing what is right, and obsessed with providing a quality service experience, we have a job for you where you can be your best in an environment that’s safe and nurturing.

Job Purpose

The Credit Lending Analyst is responsible for assessing and making decisions about customer credit applications for Purple/Discovery Bank. The incumbent is also required to assist in the constant evolution of this job to match the growth phases of the digital banking business, and the needs of the customer. This role assists in keeping the credit exposure within predefined risk limits.

Areas of responsibility may include but not limited to

• Performs the role aligned to the credit risk policy and the credit standard
• Evaluates, reviews and assess clients credit data and financial statements in order to determine the degree of risk involved in lending money to them
• Determines the risk of default to the bank by assessing credit history, repayment history and credit scoring and infusion of third party data
• Assesses and make decisions about customer credit applications using a range of criteria including credit viability, customer payment history and customer credit-worthiness.
• Assists in continuous improvements of the credit lending processes to ensure the best customer experience within a digital banking environment.
• Assists in making recommendations about procedural and or policy changes for the digital banking environment.
• Interlinks with all stakeholders in relation to disputes, enquiries, escalations, and referrals to ensure all cases are addressed with TAT
• Manages exceptions and deviations from the bank risk framework
• Works within the mandates and credit limits approved by the bank to ensure proper credit sanctioning
• Facilitates credit administration to ensure applicants are addressed
• Data analysis and ability to prepare reports
• User acceptance testing

Skills

• Required:
  • Credit and risk knowledge, including ratings and methodologies
  • Ability to submit and assess credit applications
  • Ability to identify, quantify and mitigate identified credit risk
  • Knowledge of National Credit Act
  • Knowledge of Financial Intelligence Act
  • Knowledge of Consumer Protection Act
  • Knowledge of Protection of Personal Information Act
  • Knowledge of industry and market trends
  • Knowledge of the Banking Act
  • Financial analysis
  • Report writing and compilation
• Preferred:
  • Understanding of the full credit value chain.
  • Credit and lending skills and knowledge to be able to structure correctly.
  • Understanding the bank credit policy
  • Credit principles, policies and processes

Qualifications

• Required: A Bachelor’s degree related to finance or equivalent
• Preferred: A related credit lending qualification in a banking environment

EMPLOYMENT EQUITY

The Company’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.

• Matric/Grade 12 is essential.
• 3 Year Degree / Diploma in Information Technology / Business Analysis.
• 5-8 years of business analysis/systems analysis experience preferably in a highly complex development environment.
• Agile methodology and experience preferred.
• Experience in Financial Services.
• Experience in Supply chain preferred Lending experience preferred.
• Complex business analysis use cases Group facilitation sessions.
• Change control procedures Agile Methodologies Project management Business analysis methods Product development.