Risk Manager - Credit Risk - Hybrid

Placements24; Bloemfontein; Hybrid; ZAR 700.000 - 1.100.000; Vollzeit

Benefits dieser Stelle

Health benefits

Retirement plan with employer matching

Generous paid time off

Hybrid work in Bloemfontein

Professional development

Zusammenfassung

Placements24 is seeking an experienced Risk Manager to lead credit risk initiatives in Bloemfontein. You will identify, assess, and mitigate risks across the lending portfolio while collaborating with lending teams.

This hybrid role requires strong financial analysis, regulatory knowledge, and the ability to implement risk frameworks and models to safeguard the institution.

Qualifikationen

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Minimum of 5 years of experience in credit risk management, corporate lending, or a related financial risk role.
• Strong understanding of credit risk principles and financial analysis.
• Proficiency in analyzing financial statements and assessing borrower risk.
• Knowledge of Basel Accords or regulatory requirements is desirable.

Aufgaben

• Develop, implement, and manage credit risk policies and procedures.
• Analyze financial statements and credit data to assess borrower creditworthiness.
• Monitor and report on the credit risk profile of the loan portfolio.
• Conduct stress testing and scenario analysis.
• Ensure compliance with banking regulations and internal risk standards.
• Collaborate with lending teams to provide guidance on credit risk matters.
• Develop and maintain credit risk models and methodologies.
• Prepare risk reports for senior management and regulators.
• Contribute to improving the credit risk management framework.

Kenntnisse

Credit risk management

Financial analysis

Regulatory compliance

Communication

Excel proficiency

Ausbildung

Bachelor's degree in Finance, Economics, Accounting, or related field

Tools

Risk management software

Excel

Jobbeschreibung

About the Role

Our client, a prominent financial institution, is seeking an experienced Risk Manager to join their credit risk team. This is a hybrid role, allowing for a balance between remote work flexibility and essential in-office collaboration in Bloemfontein. You will be responsible for identifying, assessing, and mitigating credit risks across the organization's lending portfolio. The ideal candidate possesses a strong understanding of credit risk principles, financial analysis, and regulatory requirements. You will play a key role in developing and implementing risk management frameworks, policies, and procedures to safeguard the company's financial health and ensure compliance.

Key Responsibilities

• Develop, implement, and manage credit risk policies and procedures.
• Analyze financial statements and credit data to assess the creditworthiness of borrowers.
• Monitor and report on the credit risk profile of the loan portfolio, identifying trends and potential concerns.
• Conduct stress testing and scenario analysis to evaluate the impact of adverse economic conditions on credit risk.
• Ensure compliance with relevant banking regulations and internal risk management standards.
• Collaborate with lending teams to provide guidance and support on credit risk matters.
• Develop and maintain credit risk models and methodologies.
• Prepare comprehensive risk reports for senior management and regulatory bodies.
• Contribute to the continuous improvement of the credit risk management framework.

Requirements

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Minimum of 5 years of experience in credit risk management, corporate lending, or a related financial risk role.
• Strong understanding of credit risk principles, financial analysis, and credit scoring models.
• Proficiency in analyzing financial statements and assessing borrower risk.
• Knowledge of relevant banking regulations (e.g., Basel Accords) is highly desirable.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills, with the ability to explain complex risk issues clearly.
• Proficiency in Microsoft Excel and experience with risk management software.
• Ability to work effectively both independently and as part of a hybrid team.
• Commitment to maintaining high ethical standards and attention to detail.

Benefits

• Competitive annual salary of R.
• Comprehensive health and wellness benefits.
• Retirement savings plan with employer matching.
• Generous paid time off and holidays.
• Hybrid work arrangement offering a blend of remote and office work in Bloemfontein.
• Opportunities for professional development and continuing education.
• Exposure to diverse credit risk challenges within a reputable financial institution.
• Supportive team environment focused on risk mitigation and strategic growth.
• Potential for performance-based incentives.