Credit Risk Analyst: Data-Driven Policies & Scorecards

Truffle; Cape Town; On-site; ZAR 600,000 - 900,000; Full time

Job summary

Truffle is seeking a Credit Risk Analyst in Cape Town to develop and strengthen credit strategies for unsecured cash and revolving loan products. The role blends analytical work with practical implementation across the credit lifecycle, leveraging customer performance data to refine acquisition policies, credit limits and exposure management.

You will collaborate with business and technology teams, support cross-functional projects, and mentor junior analysts while delivering insightful reports

Qualifications

• Bachelor's degree in a STEM field is essential.
• Experience in credit risk scorecards and risk strategies.
• Strong analytical and data interpretation and presentation skills.
• Ability to query and communicate findings from data.

Responsibilities

• Develop and implement acquisition credit risk policies for cash and revolving loans.
• Analyse existing risk strategies and identify improvement opportunities.
• Design and execute A/B testing strategies.
• Define exposure management rules based on customer performance.
• Collaborate with project managers, business analysts and IT to implement solutions.
• Advise Marketing and Collections on operational strategies.
• Produce regular and ad-hoc monitoring and analytical reports.
• Mentor and develop junior analysts.

Skills

Credit risk

Scorecard development

Data analysis

Analytical thinking

Presentation skills

Problem solving

Team collaboration

Deadline driven

Cross-functional teamwork

Education

Bachelor's degree in STEM

Tools

SQL

Python

R

SAS

Job description

Truffle is seeking a Credit Risk Analyst in Cape Town to develop and strengthen credit strategies for unsecured cash and revolving loan products. The role blends analytical work with practical implementation across the credit lifecycle, leveraging customer performance data to refine acquisition policies, credit limits and exposure management.

You will collaborate with business and technology teams, support cross-functional projects, and mentor junior analysts while delivering insightful reports