Credit Risk Analyst: Unsecured Credit

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

A South African retailer is seeking a Credit Risk Analyst to develop and strengthen credit strategies for unsecured cash and revolving loan products.

The role combines analytical work with practical implementation across the credit lifecycle. You will use customer performance data to improve acquisition policies, credit limits, and exposure management, working closely with business and technology teams.

Role Responsibilities:

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

Experience Requirements

• Expertise in credit risk scorecard development and the application of risk strategies.
• Strong analytical and presentation skills, including the ability to query, interpret and communicate findings from data.
• Programming proficiency in SQL, Python, R or SAS.
• Exposure to acquisition, marketing, account management and collections would be advantageous.
• A self-motivated approach, with reliable delivery against deadlines.
• Strong problem-solving and decision-making skills, attention to detail and a methodical approach.
• Adaptability to changing priorities and the ability to build productive relationships with colleagues, customers and vendors.
• Effective teamwork and the ability to contribute to cross-functional projects.

Education Requirements

• A bachelor's degree in a STEM field is essential.