Location: Cape Town, Western Cape, South Africa
Job Type: Permanent
Closing Date: 11 April 2026
Reference Number: Not specified
About the Company
homechoice is a trusted South African homeware retailer with over 40 years of experience delivering innovative and affordable products to customers nationwide. The company is known for combining retail excellence with advanced data-driven decision-making, particularly in credit and risk management.
As part of its continued growth, homechoice is seeking a highly analytical and driven Senior Credit Analyst to join its Decision Science team.
Position Overview
This Senior Credit Analyst job in Cape Town sits at the intersection of data science, credit risk analytics, and collections strategy. The role focuses on leveraging data, statistical modelling, and predictive analytics to improve credit decisioning, portfolio performance, and collections efficiency.
You will play a key role in supporting responsible credit growth while ensuring the stability and performance of retail credit portfolios.
Key Responsibilities
Credit Risk & Collections Analytics
- Analyze credit portfolio performance across acquisition, account management, and collections
- Identify trends, risks, and opportunities in customer credit behavior
- Provide insights to improve collections strategies and portfolio quality
Data Processing, Selections & Implementation
- Develop and maintain data processing procedures and customer selections
- Extract, transform, and analyze large datasets using SQL and analytical tools
- Collaborate with Business and IT teams to implement data-driven strategies
Predictive Model Monitoring & Support
- Monitor and maintain predictive models used in credit risk and collections
- Identify model performance issues and prevent degradation
- Develop scripts and processes for model tracking and data integrity
Reporting & Analytical Insights
- Produce accurate and actionable reports for credit risk and collections teams
- Apply statistical techniques to validate findings and quantify uncertainty
- Present insights clearly to support business decisions
Best Practice & Analytical Standards
- Apply best practices in statistical analysis and coding
- Improve documentation, processes, and analytical standards within the team
Data Science Toolkit & Automation
- Enhance analytical codebases and data tools
- Develop automated processes to improve efficiency and accuracy
- Ensure proper logging, monitoring, and data quality checks
Minimum Requirements
Qualifications
- Bachelor’s Degree in Statistics, Mathematics, or related field
- Honours Degree (advantageous)
Experience & Skills
- Experience in credit risk analytics, collections analytics, or data science
- Strong programming skills in:
- SQL
- SAS
- Proficiency in Excel and reporting tools
- Understanding of:
- Credit risk management
- Collections strategies
- Retail credit portfolios
- Knowledge of statistical analysis and predictive modelling
- Experience with SAS or similar platforms (advantageous)
- Exposure to fraud analytics (beneficial)
Core Competencies
- Strong analytical and problem-solving skills
- High attention to detail with a strategic mindset
- Excellent communication and data storytelling abilities
- Ability to work with large datasets and complex models
- Adaptability and continuous learning mindset
Why Join This Opportunity?
- Work for a leading retail brand in South Africa
- Gain exposure to advanced data science and credit risk strategies
- Be part of a high-performing Decision Science team
- Competitive salary and strong career growth potential
- Opportunity to influence business decisions through data
POPIA Compliance
By applying for this position, you consent to the processing of your personal information in accordance with the Protection of Personal Information Act (POPIA).
How to Apply
Apply for this Senior Credit Analyst job in Cape Town by visiting the official careers page of homechoice and submitting your application before 11 April 2026.
Explore More Opportunities
Looking for more high-paying roles in South Africa? Explore:
- IT & Cybersecurity Jobs South Africa
- Technology Careers Johannesburg
- High-Salary Security Roles Hiring Now
Connect With Us
Stay updated with the latest job opportunities:
- Follow us on X (Twitter)
- Connect on LinkedIn
- Join our Facebook community
- WhatsApp Career Channel
- WhatsApp Job Group
Leave a Reply