Credit Risk Analyst

Placements24; Klerksdorp; Híbrido; ZAR 500 000 - 800 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Fully remote work

Health benefits

Professional development opportunities

Resumo da oferta

Placements24 seeks a Credit Risk Analyst for a fully remote role. You will build and validate credit risk models, analyze financial statements and credit data, and deliver insights to guide lending decisions across a dispersed team.

The role emphasizes quantitative rigor, familiarity with Basel-like risk concepts, and the ability to work independently in a remote setting. Bachelor's degree required; Master’s preferred.

Qualificações

• Bachelor's degree in Finance, Economics, Statistics, Mathematics or a related quantitative field.
• Master's degree is a plus.
• Minimum 3 years of experience in credit risk analysis or financial analysis within banking/financial services.
• Strong quantitative and analytical skills with statistical modeling experience.
• Proficiency in SQL, Python, R or similar languages; Excel expertise required.

Responsabilidades

• Develop, validate, and monitor credit risk models and scoring systems.
• Analyze financial statements and credit data to assess borrower creditworthiness.
• Prepare reports on portfolio risk, trends, and potential concerns.
• Recommend credit policies to enhance risk management.
• Collaborate with loan officers and underwriting teams on new applications.
• Monitor portfolio performance and identify early warning signs of default.
• Research regulatory changes and industry best practices.

Conhecimentos

Credit risk modeling

Statistical analysis

SQL

Python

R

Excel

Formação académica

Bachelor's degree in Finance/Economics/Statistics/Mathematics

Master's degree (preferred)

Ferramentas

SQL

Python

R

Excel

Descrição da oferta de emprego

About the Role Our client, a leading financial services provider, is seeking a diligent and analytical Credit Risk Analyst to join their fully remote team. This role is crucial for assessing and mitigating credit risk across the organization's lending portfolio. You will be responsible for developing and implementing credit scoring models, analyzing financial data, and providing insights to support sound lending decisions. As a remote-first position, this opportunity offers excellent flexibility and the chance to work with a collaborative, geographically dispersed team. The ideal candidate will possess strong quantitative skills and a deep understanding of credit risk principles. This role is perfect for an individual who thrives in a virtual environment and is passionate about financial risk management.

Key Responsibilities

• Develop, validate, and monitor credit risk models and scoring systems.
• Analyze financial statements, credit reports, and other data to assess the creditworthiness of borrowers.
• Prepare detailed reports on portfolio risk, trends, and potential areas of concern.
• Recommend credit policies and procedures to enhance risk management.
• Collaborate with loan officers and underwriting teams to provide risk assessments on new credit applications.
• Monitor loan portfolio performance and identify early warning signs of default.
• Conduct research on regulatory changes and industry best practices in credit risk management.
• Present findings and recommendations to senior management and risk committees.

Requirements

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
• A Master's degree is a plus.
• Minimum of 3 years of experience in credit risk analysis, financial analysis, or a related role within the banking or financial services industry.
• Strong quantitative and analytical skills, with experience in statistical modeling and data analysis.
• Proficiency in SQL, Python, R, or similar programming languages is highly desirable.
• Expertise in Microsoft Excel is essential.
• Solid understanding of credit risk principles, financial markets, and lending practices.
• Excellent written and verbal communication skills, with the ability to clearly articulate complex risk assessments.
• Proven ability to work independently and manage workload effectively in a remote setting.
• Familiarity with Basel regulations and other relevant financial regulations is an advantage.

Benefits

• Our client offers a competitive salary, comprehensive health and wellness benefits, and opportunities for professional development and training.
• Enjoy the significant advantage of a fully remote work arrangement, providing unparalleled flexibility.
• This role is based in Klerksdorp, North West, ZA, but operates as a remote position, allowing you to work from home.
• Join a forward-thinking team dedicated to excellence in risk management.