Credit Analyst — Risk & Growth Focus

FROGG Recruitment SA; Gauteng; On-site; ZAR 350,000 - 600,000; Full time

Job summary

FROGG Recruitment SA is seeking a Credit Analyst in Edenvale, Johannesburg with 3–4 years of experience to evaluate creditworthiness, assess risk, and optimize credit strategies. You will work with sales, finance, and risk teams to manage limits, monitoring, and compliance.

The role emphasizes data-driven insights, financial modeling, and collaboration with collections and legal to minimize bad debt while adhering to the National Credit Act (NCA) and internal policies.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 3–4 years' experience in credit analysis or commercial risk.
• Strong skills in financial statement analysis, ratios, and cash flow.

Responsibilities

• Credit assessment by analyzing financial statements and credit bureau reports to determine risk.
• Establish credit limits and terms for new and existing accounts.
• Monitor active client portfolio for signs of default.
• Collaborate with collections and legal to minimize bad debt.
• Develop financial models to project cash flows and credit risks.
• Develop data-driven insights to optimize vetting processes.
• Prepare credit evaluation reports for credit committees and management.
• Ensure compliance with NCA and internal policies.

Skills

Credit analysis

Financial statement analysis

Negotiation

Risk mitigation

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Tools

SAP

Sage

Excel

Job description

FROGG Recruitment SA is seeking a Credit Analyst in Edenvale, Johannesburg with 3–4 years of experience to evaluate creditworthiness, assess risk, and optimize credit strategies. You will work with sales, finance, and risk teams to manage limits, monitoring, and compliance.

The role emphasizes data-driven insights, financial modeling, and collaboration with collections and legal to minimize bad debt while adhering to the National Credit Act (NCA) and internal policies.