{"id":1806160,"url":"https://alion.io/job/core-credit-analyst-consumer-finance","title":"Credit Analyst – Consumer Finance","company":{"id":3880289,"name":"Core","domain":"core.co.za","url":"https://alion.io/company/core-14","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Simplify","truth_index":{"grade":"A","score":87,"open_postings":13,"ghost_share":0,"stale_share":0.538,"repost_share":0,"time_to_fill_p50_days":59,"computed_at":"2026-10-29T05:49:05Z"}},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Sandton, South Africa"],"countries":["ZA"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":16500,"max_usd":34000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":59},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Excel","optional":false}],"status":"closed","first_seen_at":"2026-07-30T00:00:00Z","employer_posted_date":"2026-10-03","last_verified_at":"2026-10-27T16:44:12Z","board_verified":false,"closed_at":"2026-10-27T16:44:12Z","days_open":89,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":89},"description":"About iStore\niStore is the home of everything Apple and Africa’s largest Apple Premium Reseller. With more than 41 physical and online stores across Africa, we provide expert advice, Apple Authorised Repairs, Business and Education solutions, training, and technical support for everything Apple.\nAbout the Role\n We are looking for an experienced Credit Analyst to support the assessment and approval of customer finance applications across the iStore retail network.\nThis 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.\nThe 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.\nKey Responsibilities\nCredit Assessment and Decision-Making\nReview and analyse customer finance applications to determine creditworthiness and affordability.\nMake independent credit decisions within the required approval limits and service-level timeframes.\nInterpret credit bureau reports, customer financial information and supporting documentation.\nIdentify potential credit, affordability, fraud and compliance risks.\nApprove, decline or refer applications in line with company credit policies and risk appetite.\nClearly document the rationale for all credit decisions.\nRecommend appropriate risk-mitigation measures where required.\nCustomer and Portfolio Risk ManagementMonitor customer exposure, credit limits, risk ratings and account performance.\nConduct regular credit reviews and ensure customer information remains accurate and up to date.\nIdentify changes in customer risk profiles and escalate concerns where necessary.\nSupport the responsible management of the consumer finance portfolio.\nAssist with the identification of trends, risks and potential areas of concern within the portfolio.\nRetail and Business SupportProvide efficient credit decision support to iStore teams across the retail network.\nWork closely with stores and internal stakeholders to resolve application queries and outstanding information.\nBalance responsible credit decision-making with the need to provide a positive customer experience.\nCommunicate credit decisions clearly and professionally.\nProvide objective guidance on the risks, benefits and potential implications of applications.\nSupport credit-related projects, reporting, data analysis and forecasting where required.\nQualifications and ExperienceBachelor’s degree or relevant qualification in Finance, Accounting, Economics, Risk Management or a related field.\nThree to five years’ experience in credit analysis, consumer finance, retail finance, banking or a related environment.\nExperience assessing individual consumer credit applications.\nStrong understanding of the full credit lifecycle.\nExperience reading and interpreting credit bureau records.\nSound knowledge of affordability assessments, financial analysis and credit risk principles.\nExperience working within credit policies, approval limits and service-level requirements.\nProficiency in data analysis, reporting and Microsoft Excel.\nExperience in a high-volume retail or consumer finance environment would be advantageous.\n Working hoursThis role supports a retail environment and requires flexibility to work:\nWeekends (Rotation, so not every weekend)\nPublic holidays where required\nRetail trading hours\nShifts or scheduled standby periods, where required\nWhat we offerThe opportunity to join a diverse team of passionate individuals.\nExposure to one of the world’s leading technology brands.\nA fast-paced and challenging retail environment.\nThe opportunity to expand your credit, risk and consumer finance experience.\nA role where your decisions directly support both the customer experience and the responsible growth of the business.\nCompetenciesStrong analytical and problem-solving skills.\nSound judgement and the ability to make confident, objective decisions.\nHigh attention to detail and accuracy.\nStrong understanding of responsible lending and affordability principles.\nAbility to interpret complex credit and financial information.\nGood verbal and written communication skills.\nStrong time-management and organisational skills.\nAble to work effectively under pressure and manage high application volumes.\nEthical, transparent and consistent in decision-making.\nAdaptable and comfortable working in a fast-paced retail environment.\nStrong relationship-building and stakeholder-management skills.\n Background ChecksShould your application be successful, relevant background checks will be conducted. 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