Credit Analyst

CapitalH; Remote; ZAR 200 000 - 300 000; Full time

Job summary

A developmental credit provider is seeking a highly analytical Credit Analyst to focus on analyzing large datasets, portfolio trends, and credit risk models. This remote-based role requires at least 5 years of experience in credit risk or financial analysis and a Bachelor's degree in a relevant field. The successful candidate will generate insights to guide strategic decisions and contribute to risk monitoring across the portfolio.

Qualifications

• Bachelor’s degree in a relevant field is required.
• At least 5 years of experience in credit risk or financial analysis.

Responsibilities

• Analyse large credit datasets to identify portfolio trends.
• Develop and refine credit risk models and testing frameworks.
• Produce reports on portfolio performance and risk exposure.
• Collaborate with teams to improve data quality.

Skills

Data analysis tools (SQL, Python, R, advanced Excel)

Communication skills

Analytical and quantitative skills

Risk awareness and commercial insight

Education

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

Tools

Business Intelligence tools (Power BI)

Job description

SUMMARY

Our client, a developmental credit provider building credit for individuals wanting to build, renovate, or do home improvements, is looking for 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. The position will be remote-based.

POSITION INFO

Remote‑based analytical Credit Analyst focusing on large datasets, portfolio trends, and credit risk models. Generates insights that guide strategic decisions, support policy development, and enhance risk monitoring across the portfolio.

QUALIFICATIONS AND EXPERIENCE REQUIREMENTS

• Bachelor’s degree in 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.

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 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

GENERAL

• We are committed to fair and inclusive hiring. All suitably qualified applicants are welcome to apply.
• Preference may be given in line with our client’s Employment Equity plan and applicable legislation.
• 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,