Discovery Connect

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Business Unit: Discovery Connect

Function: Banking

Date: 6 Aug 2025

About Discovery Connect

People increasingly want to transact faster, on their terms, in fluid, and dynamic ways. Discovery Connect facilitates this need as a direct sales channel, leveraging the best of technology with the best in people. We are often a client's first impression of Discovery so we must have the best Discovery ambassadors in our team. At the forefront of client acquisition methodology, Discovery Connect continues to be one of the fastest-growing divisions in the group. Representing all product lines (including Discovery Bank) there is an opportunity for forward thinkers, innovators, and people who thrive on complexity in a growing business.

Job Purpose

This position is based in the Discovery Connect Sales call centre,The Credit Analyst will act as a vital intermediary between DC sales agents and clients, ensuring seamless communication and resolution of credit-related issues. This role involves challenging declined credit applications, managing Income Verification and Add document requests, manually assessing credit applications, and resolving stuck applications. The Credit Analyst will utilize their analytical skills to evaluate creditworthiness, mitigate risks, and maintain compliance with relevant regulations and company policies. Effective communication and problem-solving abilities are essential to succeed in this role

Key purpose

To achieve targets that will grow Discovery bank. Build the brand and ensure that clients engage our range of products and benefits and experience our shared value offering and get client to bank healthier.

The successful individual will be required to perform on, but not limited to the following key outputs:

• Performs the role aligned to the credit risk policy and the credit standard.
• Evaluates, reviews and assess clients credit data and financial statements to determine the degree of risk involved in lending money.
• 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 creditworthiness.
• 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.

Personal attributes and skills

• The successful individual will be required to demonstrate the following competencies:
• Target Driven
• Team Player
• Goal orientated
• Self-motivated
• Ability to perform under pressure
• Adapt to change
• Self-managed
• Ability to learn quickly and apply knowledge
• Speak fluently (accent neutral) English/Afrikaans
• PC literacy, email, word, excel

Qualification & Experience

• Matric
• At least 2-years banking experience, preferably in a credit department

Advantageous

• Discovery Bank Knowledge
• NQF5/National Certificate: Banking NQF level 5 and RE5 qualification

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.