Credit Analyst

HR Genie; Remote; ZAR 500 000 - 700 000; Full time

Job summary

A financial services firm is seeking a Credit Analyst based in Cape Town. The role entails analyzing large datasets, developing credit risk models, and providing insights to management regarding risk and strategy. Candidates should have a Bachelor's degree in a related field and at least 5 years of relevant experience. Strong analytical skills, experience with data analysis tools, and effective communication abilities are crucial for success. This position offers full remote working opportunities.

Qualifications

• 5+ years of experience in credit risk, portfolio analytics, or financial modeling.
• Postgraduate degree or certifications in relevant areas are advantageous.

Responsibilities

• Analyse large credit datasets to identify portfolio trends and emerging risks.
• Develop and refine credit risk models and scorecards.
• Produce reports and dashboards on portfolio performance.
• Collaborate with different teams to improve data quality.

Skills

SQL

Python

R

Advanced Excel

Power BI

Education

Bachelor's degree in Finance, Economics, Statistics, Data Science, or related field

Job description

Job Description

Department: Credit and Analytics

Position: Credit Analyst

Reports to: Credit and Analytics Executive

Based in: Cape Town (Full Remote)

Position Overview

We are seeking a highly analytical Credit Analyst with strong data skills and experience in credit risk or financial analysis. The role focuses on analysing large datasets, portfolio trends, and credit risk models. The successful candidate will generate insights that guide strategic decisions, support policy development, and enhance risk monitoring across the portfolio.

Key Responsibilities

• Analyse large credit datasets to identify portfolio trends, concentrations, and emerging risks.
• Develop and refine credit risk models, scorecards, and testing frameworks.
• Produce regular reports and dashboards on portfolio performance, delinquency trends, and risk exposure.
• Use statistical and financial techniques to assess the impact of macroeconomic, sector, and policy changes on portfolio risk.
• Collaborate with data, risk management, and finance teams to improve data quality and analytical processes.
• Provide insights to management on risk appetite, portfolio segmentation, and underwriting strategies.
• Contribute to automation of credit monitoring and reporting processes.

Technical and Skills Competencies

• Strong skills in data analysis tools such as SQL, Python, R, or advanced Excel (experience with BI tools like Power BI advantageous).
• Solid understanding of credit risk principles, portfolio management, and regulatory requirements (e.g., IFRS 9, NCA).
• Ability to translate complex datasets into actionable insights and clear recommendations.
• Excellent communication skills, capable of presenting findings to both technical and non-technical stakeholders.

Functional and Behavioural Competencies

• Data-driven decision making
• Analytical and quantitative skills
• Risk awareness and commercial insight
• Innovation and process improvement
• Collaboration across functions

Qualification and Experience Requirements

• Bachelors degree in Finance, Economics, Statistics, Data Science, or a related field (postgraduate or certifications advantageous).
• At least 5 years of working experience in credit risk, portfolio analytics, or financial modeling.