Junior Commercial Credit Analyst — Fintech Underwriting

Quona Capital; Cape Town; Remote; ZAR 480,000 - 720,000; Full time

Benefits offered by this job

Remote work

Benefits package

Professional development

Health insurance

Retirement plan

Job summary

Quona Capital is seeking a sharp and experienced Credit Risk Analyst to join our fully remote financial services team. You will analyze financial data, develop risk models, and provide recommendations to mitigate potential losses, contributing to our robust risk management framework.

The ideal candidate has at least 4 years of credit analysis or risk management experience, strong data analysis skills (SQL, Python, R), and excellent communication abilities to work effectively in a remote

Qualifications

• Bachelor's degree in finance, economics, statistics, or related quantitative field.
• Minimum of 4 years in credit analysis or risk management.
• Proficiency in SQL, Python, or R for data analysis.
• Strong knowledge of credit risk principles and regulatory frameworks.
• Excellent analytical and communication skills for remote work.

Responsibilities

• Evaluate creditworthiness of applicants and counterparties.
• Develop and maintain credit scoring models and risk methodologies.
• Monitor credit exposures and suggest actions.
• Prepare reports on credit risk metrics for senior management.
• Collaborate with lending teams to ensure policy compliance.

Skills

Analytical thinking

Communication skills

Detail-oriented

Remote work capability

Education

Bachelor's degree in Finance/Economics/Statistics

Tools

SQL

Python

R

Job description

Our client is seeking a sharp and experienced Credit Risk Analyst to join their fully remote financial services team. This role is critical in assessing and managing credit risk exposure for the company's diverse portfolio. You will be responsible for analyzing financial data, developing risk assessment models, and providing recommendations to mitigate potential losses. The ideal candidate is highly analytical, possesses a keen eye for detail, and thrives in an independent, virtual work environment, contributing to the company's robust risk management framework.

Key Responsibilities

• Analyze financial statements, credit reports, and other data sources to evaluate creditworthiness of applicants and counterparties.
• Develop, implement, and maintain credit scoring models and risk assessment methodologies.
• Monitor existing credit exposures, identifying potential risks and recommending appropriate actions.
• Prepare regular reports on credit risk metrics, trends, and portfolio quality for senior management.
• Collaborate with lending teams and other stakeholders to ensure adherence to credit policies and regulatory requirements.

Requirements

• Bachelor's degree in Finance, Economics, Statistics, or a related quantitative field.
• Minimum of 4 years of experience in credit analysis, risk management, or a related banking/financial services role.
• Proficiency in data analysis tools (e.g., SQL, Python, R) and financial modeling.
• Strong understanding of credit risk principles, financial markets, and regulatory frameworks.
• Excellent analytical, problem-solving, and communication skills, suited for a remote work setup.

Benefits

• Competitive salary package with performance incentives.
• Fully remote work arrangement with flexibility in working hours.
• Comprehensive health, wellness, and retirement benefits.
• Opportunities for professional development and advanced training in risk management.
• A culture that values data-driven decisions and continuous improvement in risk mitigation.