Credit Analyst

Firstrand Bank India; Johannesburg; On-site; ZAR 600,000 - 900,000; Full time

Job summary

FirstRand Bank India is seeking a credit risk analyst to gather and analyse client financial information to derive insights for credit decisions. You will perform cash flow modelling, scenario analysis and collaborate with stakeholders to understand client businesses and industry context.

The role involves presenting findings to management, advising on credit structures, and ensuring compliance with governance requirements. A strong focus on teamwork and continuous improvement is essential.

Qualifications

• Proficient in financial analysis focused on credit risk assessment.
• Ability to interpret client financial information and identify risks.
• Strong modelling and analytical capabilities for cash flow scenarios.

Responsibilities

• Gather, analyse and draw insights from client financial information for credit risk.
• Conduct cash flow modelling, sensitivity analysis and investigations as required.
• Collaborate with relationship teams to understand client business, environment, and industry.

Skills

Financial analysis

Credit risk

Cash flow modelling

Scenario analysis

Stakeholder management

Compliance

Tools

Excel

Job description

Job Description

To gather, analyse and draw insights from client financial information pertaining to credit risk.

To undertake key research of client business, industries, and legislation to derive insights from credit analyses.

• Conduct a comprehensive financial analysis of client data to understand credit exposure and liability; conduct cash flow modelling, sensitivity analysis and other investigations as necessary.
• Collaborate closely with key stakeholders and those who hold business relationships with clients to gain an intimate knowledge of the clients' business, environment, and the industry they compete in.
• Assess a wide range of credit structures and propose solutions to challenges.
• Engage in scenario analysis and stress-testing to evaluate potential and actual risks.
• Present findings and insights to line management and/or the credit committee, and provide recommendations where required.
• Remain keenly abreast of industry and legislative developments and the impact thereof on portfolios.
• Advise more junior team members on aspects of client credit reviews, assisting them in identifying risks, and providing expertise and guidance.
• Develop and maintain strong business relationships with clients for the purpose of gathering relevant information and undertaking analyses.
• Display and encourage an appreciation of teamwork and inclusivity.
• Develop, encourage and nurture collaborative relationships across area of specialisation.
• Ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability.
• Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancy.
• Accumulate information to review work progress that provides input to reporting, decision making and the identification of improvement opportunities.
• Build relationships that allow for the managing of expectations, the sharing of knowledge and diverse insights, and the creation of buy-in.

Important Closing Date Note

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

31/10/26

All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.