Credit Risk & Financial Modelling Analytics Specialist

Hyperclear Tech; Cape Town; Hybrid; ZAR 600 000 - 800 000; Full time

Job summary

A leading financial analytics firm in Cape Town is seeking a Credit Risk & Financial Modelling Analytics Specialist. The role involves developing predictive models, providing consulting services, and innovating within the analytics space. Candidates should have extensive experience in consumer credit analytics, strong analytical skills, and a relevant degree. The position offers a hybrid work model with opportunities for professional growth and development.

Benefits

Continuous Learning & Development

Work on Challenging Problems

Remote Work

Great Leadership

Qualifications

• At least 8 years in consumer credit analytics with a focus on Financial Modelling.
• Proven track record in financial analytics.

Responsibilities

• Develop PD, EAD, LGD models and Profit models.
• Provide consulting assistance across multiple clients.
• Compile professional consulting reports and presentations.

Skills

Analytical abilities

Customer service orientation

Presentation skills

Ability to work with foreign cultures

Education

BSc/BComm in statistics, engineering, mathematics, finance

Tools

SAS

Excel

VBA

SQL

Python

Job description

COMPANY NAME:

Principa

JOB TITLE:

Credit Risk & Financial Modelling Analytics Specialist

LOCATION:

Cape Town (Hybrid)

ABOUT PRINCIPA:

At Principa we focus on reducing risk and improving profitability by streamlining processes, increasing efficiency, and automating data-driven decision making across the customer lifecycle.

We have over twenty-five years of data and analytics consulting experience and our Just Cause is to open doors and enable access to financial services that foster economic empowerment and opportunity for all.

What We Do:

• Consulting and Analytics:We provide actionable insights that drive smarter decisions across credit risk management, customer analytics, and portfolio optimisation. We leverage over 20 years of expertise to help businesses enhance credit decisioning, mitigate risk, and improve customer acquisition and retention strategies.
• Data and Decisioning Solutions: We focus on transforming raw data into meaningful information to enable better decisions. Whether through ADMiT — our innovative risk scoring tool for thin-file clients — or through our advanced lead generation services, we empower businesses to reach new markets and make smarter, more impactful choices.
• Technology Solutions:Our decisioning and collections recovery technology solutions offer business rule management across the entire customer lifecycle, specialist collections strategies, and tactical actions that improve collections efficiency.

At Principa, you will have the opportunity to be part of something bigger, part of a groundswell of financial inclusion that will change the face of the world. You will have the opportunity to make a real and lasting difference.

We understand that the value we deliver to our clients and customers depends on our People. Our people are at the heart of everything we do — it all starts with them, and it’s because of them. Here, you will never be just a number, you will be recognised for who you are and the value you bring.

Benefits

• Work on Challenging Problems: Work alongside some of the brightest minds in credit consulting, solving key business challenges.
• Continuous Learning & Development: Our people are encouraged to have a structured learning plan encompassing coaching, mentoring, and formal learning, enabling personal, professional, and team mastery.
• Remote Work: Our remote-first approach gives our people flexibility in their work model. We also host quarterly in-person Huddles to foster culture and connectedness.
• Great Leadership:Our leaders benefit from specialised training interventions focused on building empathetic leadership capabilities.

PRIMARY PURPOSE OF THE JOB:

The Financial Modelling Analytics Specialist is one of the key individuals in our Predictive Analytics team that will be responsible for the development and delivery of Provision and Profit models across various industries and in compliance with the new IFRS 9 regulations. They will be responsible for meeting the client’s expectations on projects in relation to results, quality, budgets and timelines.

The Specialist will also be required to innovate within the financial analytics space as well as analytical solutions outside of financial modelling and showcase innovative solutions with possibly limited resources. Typical assignments will involve applying advanced analytical techniques to extract maximum value out of data, constructing data driven models, providing insights and presentation of results with key recommendations.

KEY RESPONSIBILITIES:

• Development of PD models, EAD models, LGD models, Survival analysis
• Using Markov Analysis to develop Portfolio Level Provision Forecasts Models
• Profit model development – historic and forecasted
• Development of other predictive models across the credit life cycle and in other industries
• Provide best practice consulting advice to a wide range of organisations that rely on data to drive their business, domestically and internationally
• Provide day-to-day consulting assistance across multiple clients
• Analyse reports and results and perform investigative analytics to solve problems
• Compile professional consulting reports and presentations for delivery to clients
• Develop close relationships with clients to identify additional areas for development and assistance
• Work closely with other departments on joint projects, such as sales, marketing, software and consulting
• Discuss with client innovative solutions to their business problems
• Drive new product innovation within the analytics team

EDUCATION/QUALIFICATIONS:

• Preferred minimum of BSc/BComm in statistics, engineering, mathematics, finance or related field

EXPERIENCE:

• At least 8 years in consumer credit analytics, with specific focus on Financial Modelling and a proven track record in this space.

KNOWLEDGE AND SKILLS REQUIREMENTS:

• Strong analytical abilities
• Analytical software: good knowledge of SAS or other leading statistical software
• A very good working knowledge of Financial modelling and associated techniques
• A very good working knowledge of new tools and techniques within predictive modelling / data science space
• Ability to multi-task, prioritise with a sense of urgency and work under pressure to tight deadlines
• Demonstrate a thirst for knowledge and desire to grow and learn
• Excellent customer service orientation
• Strong presentation skills
• Ability to work with foreign cultures
• Ability to improvise and adapt principles into alternative environments
• Proficient in Excel, VBA, Word and PowerPoint
• SQL experience will be an advantage
• Python experience will be an advantage

OTHER:

• The position is hybrid and with teams mostly working remotely. But we prioritise in person time for collaboration and will require travel to client sites in South Africa and possibly abroad.

Should you work from home, it is your responsibility to ensure that you have uninterrupted internet connectivity and a ‘work-like’ environment at your home location to deliver your best in terms of performance and productivity.