Credit Analyst

Capital H Staffing and Advisory Solutions; Remote; ZAR 500 000 - 700 000; Full time

Job summary

A financial services provider is seeking a highly analytical Credit Analyst to work remotely. The role involves analyzing large datasets, generating insights for strategic decisions, and supporting policy development in credit risk. Ideal candidates will have a Bachelor's degree and over 5 years of experience in credit risk or financial analysis, with strong skills in SQL, Python, or R. This position offers the opportunity to influence decision-making and improve risk monitoring.

Qualifications

• Bachelor's degree (postgraduate or certifications advantageous).
• 5+ years of experience in credit risk or portfolio analytics.

Responsibilities

• Analyse credit datasets to identify trends and risks.
• Develop credit risk models and testing frameworks.
• Produce reports on portfolio performance.
• Assess risk impacts using statistical techniques.
• Collaborate with teams to improve data processes.
• Provide insights on risk appetite and underwriting.

Skills

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

Credit risk principles

Portfolio management

Regulatory requirements (IFRS 9, NCA)

Communication skills

Education

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

Tools

Power BI

Job description

Our client, developmental credit provider that provides credit to individuals who are 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.

Qualification and Experience Requirements:

• Bachelor’s 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

Key Responsibilities:

• Analyse large credit datasets to identify portfolio trends, concentrations, and emerging risks.
• Develop and refine credit risk models,cards, 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
• Collaoration 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, please consider your application unsuccessful.
• Please include your current remuneration (CTC), salary expectation, and notice period (optional but helpful for screening).
• By applying, you consent to the processing of your personal information for recruitment purposes in accordance with POPIA.