Purpose:

• Support the profitability and growth of the credit and insurance portfolios within Mr Price Money by leveraging data, market trends, and cross-functional collaboration. Drive the execution of commercial projects and business solutions, working closely with senior management to deliver on strategic objectives.

Responsibilities
Strategy Execution & Business Partnering

• Collaborate with the Commercial Manager to execute credit and insurance strategies.
• Partner with Marketing, Operations, and BI teams to monitor and optimise performance of both new and existing customer bases.
• Support the development and execution of omni-channel acquisition and distribution strategies for credit and insurance products.
• Build and maintain relationships with external partners and suppliers to enhance product offerings and distribution efficiency.

Product Development & Performance Management

• Assist in the design and execution of commercial models and forecasts for new product development.
• Monitor product profitability and customer segment performance, recommending improvements as needed.
• Conduct market research and trend analysis to identify revenue growth opportunities.
• Prepare business cases for product enhancements and innovations.

Commercial Modelling & Business Intelligence

• Work with Finance and BI teams to develop and maintain profitability models, forecasts, and reporting tools.
• Analyse customer data, market trends, and channel performance to provide actionable insights.
• Support the implementation of spend stimulation and customer engagement initiatives.

Compliance & Risk Management

• Collaborate with Legal and Compliance teams to ensure adherence to FAIS, NCR, and other regulatory requirements.
• Support quarterly compliance reporting and the implementation of financial and operational controls.
• Maintain up-to-date knowledge of regulatory changes in the credit and insurance landscape.

Project Leadership & Technology Support

• Lead or support projects aimed at improving product and process performance.
• Assist in the migration to scalable technology platforms, ensuring alignment with strategic goals and compliance standards.
• Collaborate with IT and BI teams to automate and enhance reporting mechanisms.

Cross-Functional Collaboration & Stakeholder Management

• Act as a liaison between various teams (Marketing, Finance, Operations, IT, HR) to ensure cohesive execution of business initiatives.
• Support the Commercial Manager in stakeholder management and cross-divisional collaboration.

Qualifications
Education:

• Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field.
• Professional qualifications (CA(SA), CIMA, CFA, or equivalent) advantageous but not required.

Experience:

• 3+ years’ experience in financial services, with exposure to credit, insurance, or retail finance.
• Experience in product development, distribution optimisation, or business intelligence is advantageous.
• Proven ability to analyse data, develop commercial models, and support strategic initiatives.

Skills & Competencies:

• Strong commercial acumen and analytical capabilities.
• Advanced Microsoft Office skills (Excel, Word, PowerPoint); experience with BI tools and financial modeling.
• Excellent communication, interpersonal, and stakeholder management skills.
• Project management experience and ability to manage multiple priorities.
• Familiarity with FAIS, NCR, and other relevant compliance standards.
• Entrepreneurial mindset with a proactive approach to identifying and capitalizing on growth opportunities.