Credit Risk Analyst

University of Fort Hare; Cape Town; Hybrid; ZAR 420,000 - 600,000; Full time

Job summary

University of Fort Hare seeks an experienced Credit Risk Analyst for a 3-month contract with renewal potential, based at the V&A Waterfront in Cape Town. The hybrid role supports credit risk operations by assessing customers, reviewing credit limits, analyzing financial information, identifying risk trends, and providing recommendations to inform sound commercial decisions.

The ideal candidate has 4+ years in credit risk, a related degree, strong financial analysis, and excellent communication.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business or related field or equivalent NQF Level 6.
• Minimum 4 years’ experience in credit risk/credit analyst environments.
• Strong financial statement analysis, report writing and risk assessment skills.
• Proficiency in Excel; SAP experience is advantageous.

Responsibilities

• Conduct credit risk evaluations for new and existing customers and recommend appropriate credit limits.
• Interpret financial information, identify risk factors, and prepare clear credit recommendations and business cases.
• Monitor customer accounts, overdue balances, credit limit exceptions, and high-risk exposures.
• Support internal stakeholders with credit-related queries, escalations, reporting, and customer risk insights.
• Ensure adherence to credit policies, standards, procedures, data security, and compliance requirements.

Skills

Analytical thinking

Risk assessment

Stakeholder engagement

Effective communication

Education

Bachelor's degree in Finance/Accounting/Business

Tools

Excel

SAP

TransUnion/Experian

Job description

Location: V&A Waterfront, Cape Town | Work arrangement: Hybrid | Contract Position: 3 months, with potential for renewal.

Start date: 1 October 2026

Our client is seeking an experienced Credit Risk Analyst to join their team on a 3-month contract, with the possibility of renewal. This hybrid role, based at the V&A Waterfront, will support credit risk operations by assessing new and existing customers, reviewing credit limits, analysing financial information, identifying risk trends, and providing recommendations that support sound commercial decisions.

Key Responsibilities

• Conduct credit risk evaluations for new and existing customers and recommend appropriate credit limits.
• Interpret financial information, identify risk factors, and prepare clear credit recommendations and business cases.
• Monitor customer accounts, overdue balances, credit limit exceptions, and high-risk exposures.
• Support internal stakeholders with credit-related queries, escalations, reporting, and customer risk insights.
• Ensure adherence to credit policies, standards, procedures, data security, and compliance requirements.

Minimum Requirements

• Minimum 4 years’ experience in a credit risk, credit analyst, or related credit environment.
• Bachelor’s degree in Finance, Accounting, Business, or a related field, or equivalent NQF Level 6 qualification.
• Strong financial statement analysis, report writing, and risk assessment skills.
• Ability to work accurately in a fast-paced environment while managing changing priorities and strict deadlines.
• Strong written and verbal communication skills, with the ability to engage stakeholders at all levels.
• Proficiency in Excel and relevant business systems; SAP experience is advantageous.
• Experience with TransUnion, Experian, or other credit bureaus is advantageous.

Ideal Candidate

The successful candidate will be analytical, detail-oriented, customer-focused, and comfortable working independently while partnering closely with finance, sales, legal, and operational teams. They will bring sound judgement, strong organisational skills, and a proactive approach to identifying and escalating credit risk.