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Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.

Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same – if the role excites you, please don't let our person specification hold you back. Get in touch!

Description of role:

Reporting to the Risk Operations Team Lead, the Business Analyst will be responsible for the data analysis surrounding the building and implementation of credit models within Investec plc. The role will require a close working relationship with the credit modellers to understand their requirements.
To develop a full gap analysis against existing data.

The role will require an understanding of the quality of existing data and working with the Operations and IT teams to understand what data needs to be remediated.
How to capture data going forward and to spec changes required to be made to systems.

The role will require a close working relationship with the Data Governance Team to ensure it adheres to best practice data governance principles within Investec plc.
This will help to define data definitions and meta data and develop data validation reports to track data quality of credit model data.

What are the specific areas of responsibility?

• As a Data Analyst within credit modelling at IBP, you will work alongside the model implementation team.
• You will be required to collaborate with the credit risk modellers (data scientist), business analyst, data governance and reporting teams across the organisation.
• You will work with analytical teams to understand the data needed to develop and implement credit risk models.
• Translate the data to technical requirements and help develop data pipelines.
• You will work with data exception reports and investigate, evaluate, and feedback any data issues to data owners to ensure accuracy, efficiency, and effectiveness in managing credit risk.
• Collaborate on designing and implementing the bank's default and recovery data strategy, as well as integrating it with credit model development, while enhancing the overall data architecture of the bank.
• The ideal candidate will possess strong analytical skills, effective problem-solving abilities, excellent communication skills, and a reliable work ethic.
  
  What core skills and knowledge are required ?
  
• Strong technical, commercial, and practical understanding of PD, LGD, and EAD models and how these models are used for provisioning and capital estimation purposes
• Hands-on experience in programming / coding, primarily in R, SQL and Python, with experience in other programming languages.
• Ability to provide a relevant commercial overlay to data, recognising the bigger picture for different business areas whilst also maintaining a keen eye to detail.
• Experience with the Azure stack (advantageous).
• Understanding of Data Warehousing and meta data.
• Computer literate with a good working knowledge of Microsoft Office and PowerBI.
• Ability to understand gaps in current business process and assist in facilitating a programme of improvement.
• Significant documentation and presentation skills, with the ability to prepare high-quality analytical papers / summaries and present these in an effective manner appropriate to the target audience / key stakeholders.
• Experience in communicating complex data analytics and modelling techniques to non-technical key stakeholders, such as senior executives, credit and heads of business areas.
• To act with integrity at all times and embrace the philosophy of treating our customers fairly (compulsory).
  Awareness of use and governance of core data fields.
  
  What other attributes would be helpful for the role?
  
• Ability to work under pressure, resolving different and sometimes conflicting user requirements / priorities.
• Strong analytical and diagnostic skills.
• Presentation skills and ability to articulate the business requirements.
• Credible and be able to influence.
• Attention to detail but able to see the big picture.
• Ability to interact with stakeholders at all levels of the organisation across multiple business areas
• Self-motivated and capable of working independently, as well as within a team. Being a credible member of the team, with an ability to influence
• Initiative and creative problem solving.
• Tenacity – take ownership of tasks and drive to completion.

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.
We want our people to feel empowered to be themselves in an environment that supports them, enabling them to perform in “out of the ordinary” ways. Our culture places belonging and inclusion at its centre and our work environment is integral to this. If you require any adjustments to support you through the recruitment process, as well as supportive and flexible working arrangements to help you succeed with us, please let our recruitment team know.