Risk Analyst

CA Financial Appointments; Wes-Kaap; On-site; ZAR 600 000 - 800 000; Full time

Job summary

A fintech recruitment agency is seeking an experienced financial analyst responsible for managing the financial performance of funding providers. This role requires strong analytical skills in Excel and experience with SQL/Power BI. The candidate should have at least 3 years of experience in risk, treasury, or portfolio analysis. An understanding of asset management and risk management is essential. The role offers opportunities for growth in a fast-paced environment.

Qualifications

• 3+ years of experience in fintech or financial services as a risk, treasury, or portfolio analyst.
• Strong analytical skills with a proven ability in Excel and exposure to SQL/Power BI.
• Proven experience in asset, portfolio, and risk management.

Responsibilities

• Responsible for financial performance of all funding providers.
• Accountable for allocation of microcredit assets across geographies.
• Manage funder specific e-wallet positions for liquidity.

Skills

3+ years risk/analytical/commercial experience

Analytical and technical skills

Strong interpersonal and communication skills

Financial product knowledge

Education

CFA/FRM or equivalent certification

Tools

Excel

SQL/Power BI

Job description

Overview

Our client within the fintech space is seeking someone who will be responsible for the financial performance of all funding providers while meeting the financial return targets of different funding providers (banks, funds, DFIs). You will also co-own the targets and outcomes and report directly to the Asset Management Lead.

Responsibilities

• Be responsible for the financial performance/financial return targets of all funding providers, co-owning targets and outcomes with the Asset Management Lead.
• Be accountable for allocation of microcredit assets across geographies, risk segments and product classes to generate targeted returns for the company and its diverse funding partner group (funds, banks, DFIs and the company’s own capital).
• Manage funder specific e-wallet positions to ensure sufficient liquidity given targeted lending levels.
• Have close interaction with the Treasury team to facilitate cross country capital movements to ensure the optimal use of funds across all geographies.
• Forecast key portfolio metrics, including lending volume, performance and cash flow velocity.
• Advance risk and asset management capabilities in terms of systems and ability.
• Integrate across functions to ensure optimal delivery of revenue and customer acquisitions targets.

Skills and experience needed

• 3+ years risk/analytical/commercial experience within fintech or financial services as a risk, treasury or portfolio analyst
• Exposure to risk management, consumer lending, banking, asset management or portfolio management/analysis.
• Strong analytical and technical skills with proven ability in Excel and exposure to SQL/Power BI (or equivalent tools) to drive data-led decision making
• Strong interpersonal and communication skills, with the confidence to engage stakeholders, present recommendations, and ask the right questions
• Intellectually curious, growth-oriented, and motivated by the company’s mission, with the resilience and adaptability to thrive in a fast-paced environment
• Solid financial product knowledge with strong understanding of credit lifecycle, portfolio metrics, and forecasting.
• Proven experience in asset, portfolio, and risk management, including both strategic and tactical asset allocation.

Advantageous

• CFA/FRM or an equivalent certification
• Knowledge and application of credit scoring and risk management techniques across the entire credit life cycle on consumer portfolios.
• Experience in liquidity and treasury management, including an understanding the FTP concept