Senior Credit Risk Analyst | Payments and Lending | Kuils River
Capital H Staffing · Kuils River, Western Cape
Overview
Our client in the payments and lending industry is looking for a Senior Credit Risk Analyst to monitor and optimise credit risk across their lending portfolio. You will balance bad debt and approval rate targets with portfolio profitability using advanced analytics, forecasting and credit scoring. Based in Kuils River, Western Cape, this is a permanent full time role for someone with up to 5 years of analytical credit experience in banking, financial services or retail credit.
About the role
As a Senior Credit Risk Analyst, you will play a key role in monitoring and optimising credit risk performance across our client's lending portfolio. You will work with advanced analytics, forecasting and credit scoring to balance bad debt and approval rate targets with portfolio profitability.
You will be involved in:
- Credit Risk Analytics and Modelling: Develop provisioning, profitability, bad debt and cash flow forecasting models; optimise credit vetting policies, decision rules and scoring strategies; analyse operational performance and provide recommendations; support Credit Committee decisions through diagnostic and ad hoc analytics; collaborate with credit bureaus on scorecards.
- Portfolio Monitoring and Strategy: Track and interpret daily, weekly and monthly credit risk and operational metrics; identify portfolio trends, emerging risks and opportunities; analyse fraud processes and recommend prevention strategies; work with data teams on data warehouse solutions and reliable reporting; develop and evaluate Champion Challenger strategies for credit cut off and limit decisions.
- Reporting and Leadership: Define reporting requirements and frameworks, validate BI reporting outputs; present actionable findings and recommendations to stakeholders and Credit Committee; coach and mentor fellow analysts.
Application notes: Please include your current remuneration (CTC), salary expectation, and notice period (optional but helpful for screening). Applicants must have the legal right to work in South Africa at the time of application. Only shortlisted candidates will be contacted. If you do not hear from us within 30 days, please consider your application unsuccessful.
Requirements
- Three year degree in a technical, financial or analytical discipline
- An Honours degree in a quantitative field or other postgraduate qualification is advantageous
- Up to 5 years analytical credit experience in banking, financial services or retail credit
- High proficiency in SQL and Python and/or R
- Experience in credit risk modelling, including probability of default (PD), loss given default (LGD) and exposure at default (EAD)
- Experience developing and monitoring credit scorecards and applying Champion Challenger analysis
- Strong diagnostic analytics, performance reporting and credit risk judgement
- Excellent analytical and critical thinking, communication and stakeholder management skills
- Proactive, organised and accurate, with the ability to meet deadlines
- Able to work independently and collaboratively
- Legal right to work in South Africa at the time of application
Responsibilities
- Develop provisioning, profitability, bad debt and cash flow forecasting models
- Optimise credit vetting policies, decision rules and scoring strategies to achieve risk and growth targets
- Analyse operational performance and provide recommendations to improve credit efficiencies
- Support Credit Committee decisions through diagnostic and ad hoc analytics
- Collaborate with credit bureaus on application, limit and collections scorecards
- Track and interpret daily, weekly and monthly credit risk and operational metrics
- Identify portfolio trends, emerging risks and opportunities, and recommend credit policy changes
- Analyse fraud processes and recommend effective prevention strategies
- Work with data and analytics teams on data warehouse solutions and reliable reporting
- Develop and evaluate Champion Challenger strategies for credit cut off and limit decisions
- Define reporting requirements and frameworks, and validate BI reporting outputs
- Present actionable findings and recommendations to stakeholders and Credit Committee
- Coach and mentor fellow analysts
Job details
- Organisation
- Capital H Staffing
- Location
- Kuils River, Western Cape
- Job type
- Full time
- Experience level
- Senior
- Education
- Bachelor
- Category
- Banking & Insurance
- Application Method
- Apply manually
Success Guide
This Senior Credit Risk Analyst role is a great fit if you enjoy working with data to shape credit decisions. To stand out, tailor your CV to highlight your experience with SQL, Python or R, and credit risk modelling. Be ready to discuss specific projects where you built or improved scorecards, forecasting models or credit policies. In interviews, expect questions on how you balance risk and growth, and how you present findings to senior stakeholders. Showing that you can coach junior analysts will also work in your favour. Make sure your application includes your current CTC, salary expectation and notice period. Good luck!
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