Senior Credit Analyst

Boardroom Appointments; Sandton; On-site; ZAR 600 000 - 800 000; Full time

Job summary

A financial services company in Sandton seeks an experienced credit risk analyst to manage credit reviews and approvals. The ideal candidate will have over 6 years of experience in retail/banking credit risk analysis, a relevant degree, and proven team management skills. Responsibilities include overseeing the customer database, suggesting risk measures, and participating in stakeholder meetings. This role combines analytical skills with strategic risk management, providing an opportunity for growth in the financial services sector.

Qualifications

• Minimum 6 years experience in credit risk analysis in retail/banking.
• Comprehensive knowledge across the credit lifecycle.
• Proven experience in managing a team of credit analysts.

Responsibilities

• Conduct credit reviews and approvals.
• Manage customer database and provide input on limits and ratings.
• Suggest risk mitigating measures for consumer finance products.
• Manage credit risk appetite by scrutinizing portfolio exposures.
• Identify transaction specific risks including credit and legal.
• Document findings and report to the credit committee.
• Act as a bridge between risk and business on contentious issues.
• Participate in meetings with senior stakeholders.

Skills

Data interpretation and presentation

Team management

Detail-oriented

Independent work

Education

Bachelors degree in Finance, Economics, or related field

CA (SA) or CFA

Job description

Qualifications

• Ideally Bachelors degree in Finance, Economics or related field or CA (SA) or CFA
• Ability to query, interpret, and present complex data clearly to support decision-making processes.
• Minimum 6 years experience in credit risk analysis in the retail/banking environment, with comprehensive knowledge across the credit lifecycle
• Proven experience of successfully managing a team of credit analysts.
• Detail-oriented and able to work independently

Responsibilities

• Conduct credit reviews and credit approvals
• Manage the customer database and provide input regarding limits, ratings, Loss Given Default (LGD)
• Suggest risk mitigating measures for our consumer finance products in line with the risk philosophy of the Company
• Manage credit risk appetite (limits) by scrutinizing current portfolio exposures
• Keep portfolio current by reviewing at least once in a 12-month period
• Identify transaction specific risks including credit, taxation, accounting and legal
• Document findings and report to the credit committee
• Act as a bridge between risk and business on contentious issues
• Remain objective and present both arguments and pros and cons
• Forecast and analyse financials and collate and model data (where required)
• Participate in meetings with senior stakeholders
• Project management i.e. track progress, manage expectations and ensure stakeholders requirements are delivered