Credit Analyst – Consumer Finance

About the Role

• We are looking for an experienced Credit Analyst to support the assessment and approval of customer finance applications across the iStore retail network.
• This role is responsible for reviewing customer credit applications, assessing affordability and financial risk, and making sound credit decisions within agreed turnaround times. As our stores trade seven days a week, the successful candidate must be available to work retail hours, including weekends and public holidays.
• The role requires someone who is analytical, decisive and customer-focused, while ensuring that all applications are assessed responsibly and in line with our credit policies and risk appetite.

Key Responsibilities

Credit Assessment and Decision-Making

• Review and analyse customer finance applications to determine creditworthiness and affordability.
• Make independent credit decisions within the required approval limits and service-level timeframes.
• Interpret credit bureau reports, customer financial information and supporting documentation.
• Identify potential credit, affordability, fraud and compliance risks.
• Approve, decline or refer applications in line with company credit policies and risk appetite.
• Clearly document the rationale for all credit decisions.
• Recommend appropriate risk-mitigation measures where required.

Customer and Portfolio Risk Management

• Monitor customer exposure, credit limits, risk ratings and account performance.
• Conduct regular credit reviews and ensure customer information remains accurate and up to date.
• Identify changes in customer risk profiles and escalate concerns where necessary.
• Support the responsible management of the consumer finance portfolio.
• Assist with the identification of trends, risks and potential areas of concern within the portfolio.

Retail and Business Support

• Provide efficient credit decision support to iStore teams across the retail network.
• Work closely with stores and internal stakeholders to resolve application queries and outstanding information.
• Balance responsible credit decision-making with the need to provide a positive customer experience.
• Communicate credit decisions clearly and professionally.
• Provide objective guidance on the risks, benefits and potential implications of applications.
• Support credit-related projects, reporting, data analysis and forecasting where required.

Qualifications and Experience

• Bachelor’s degree or relevant qualification in Finance, Accounting, Economics, Risk Management or a related field.
• Three to five years’ experience in credit analysis, consumer finance, retail finance, banking or a related environment.
• Experience assessing individual consumer credit applications.
• Strong understanding of the full credit lifecycle.
• Experience reading and interpreting credit bureau records.
• Sound knowledge of affordability assessments, financial analysis and credit risk principles.
• Experience working within credit policies, approval limits and service-level requirements.
• Proficiency in data analysis, reporting and Microsoft Excel.
• Experience in a high-volume retail or consumer finance environment would be advantageous.

Working hours

This role supports a retail environment and requires flexibility to work:

• Weekends (Rotation, so not every weekend)
• Public holidays where required
• Retail trading hours
• Shifts or scheduled standby periods, where required

What we offer

• The opportunity to join a diverse team of passionate individuals.
• Exposure to one of the world’s leading technology brands.
• A fast-paced and challenging retail environment.
• The opportunity to expand your credit, risk and consumer finance experience.
• A role where your decisions directly support both the customer experience and the responsible growth of the business.

Competencies

• Strong analytical and problem-solving skills.
• Sound judgement and the ability to make confident, objective decisions.
• High attention to detail and accuracy.
• Strong understanding of responsible lending and affordability principles.
• Ability to interpret complex credit and financial information.
• Good verbal and written communication skills.
• Strong time-management and organisational skills.
• Able to work effectively under pressure and manage high application volumes.
• Ethical, transparent and consistent in decision-making.
• Adaptable and comfortable working in a fast-paced retail environment.
• Strong relationship-building and stakeholder-management skills.