Senior Credit Risk Analyst

CA Financial Appointments; Cape Town; On-site; ZAR 900,000 - 1,300,000; Full time

Job summary

CA Financial Appointments seeks a Senior Credit Risk Manager for a fast-growing international financial services business in Cape Town on a 6 month contract basis. You will own the full credit assessment process in a high-volume environment and strengthen risk capabilities across international operations, including Saudi Arabia.

We look for a resilient, commercially minded professional with 5+ years in credit risk, strong financial statement analysis, and experience presenting to

Qualifications

• Minimum degree in finance, accounting, economics or related field.
• Approximately 5+ years of credit risk experience in lending, fintech or financial services.
• Experience presenting detailed credit papers to a committee is advantageous.

Responsibilities

• Lead and support credit risk assessments for clients.
• Review credit applications to determine creditworthiness.
• Develop and strengthen risk capabilities for international markets.
• Prepare detailed credit analyses and present to the Investment Committee.
• Maintain credit records and support portfolio reviews.
• Monitor accounts and identify emerging risks.

Skills

Credit risk experience

Financial statement analysis

Commercial judgement

Mentoring

Independent work

Stakeholder management

International markets

Time zones coordination

Education

Finance/Accounting/Economics degree

Postgraduate qualification

Job description

We are recruiting for an exciting opportunity with a fast-growing international financial services business looking to appoint an experienced Senior Credit Risk Manager to join their Cape Town team on a 6 month contract basis.

This is a hands-on senior credit role suited to someone who thrives in a fast-paced, high-volume environment and is comfortable taking ownership from day one. You will play an integral role across the full credit assessment process, while also helping to strengthen the business's credit and risk capabilities across its international operations, including Saudi Arabia.

The environment is dynamic and demanding, so we are looking for someone resilient, commercially minded and solutions-focused who can confidently manage competing priorities and tight turnaround times.

Key Responsibilities:

• Analyse financial statements, including balance sheets, income statements and cash flow statements.
• Evaluate financial ratios, trends and performance to assess borrowers' financial health and creditworthiness.
• Take significant responsibility for developing and strengthening risk capabilities for the Saudi Arabian market.

Credit Assessment & Risk

• Lead and support credit risk assessments for potential and existing clients.
• Review credit applications and supporting documentation to determine creditworthiness.
• Assist in determining appropriate credit limits, structures and terms.
• Work closely with technical, data and risk teams to continuously improve credit capabilities and processes.
• Apply sound commercial judgement when assessing complex or higher-risk credit applications.
• Prepare detailed credit analysis and recommendations for management.
• Present customer credit assessments and recommendations to the Investment Committee (IC) for approval.
• Maintain accurate and up-to-date credit records and supporting documentation.
• Support regular portfolio reporting and credit reviews.
• Monitor existing credit accounts and proactively identify emerging risks.
• Lead and support regular credit reviews and portfolio analysis.
• Conduct market and industry research to support credit decisions and identify potential risk factors.

Stakeholder Management & Leadership

• Work closely with senior risk leadership and other internal teams to ensure accurate and timely credit assessments.
• Engage directly with clients to obtain financial information, resolve queries and clarify supporting information.
• Provide guidance and support to more junior members of the credit team and contribute to their development.

What We're Looking For

• Relevant degree, ideally in Finance, Accounting, Economics, Investment Management or a related discipline.
• Postgraduate qualification would be advantageous.
• Approximately 5+ years' relevant credit / credit risk experience, ideally within lending, banking, fintech, investment or another fast-paced financial services environment.
• Strong financial statement analysis and credit assessment skills.
• Experience preparing detailed credit papers and presenting recommendations to a credit or investment committee would be highly advantageous.
• Strong commercial judgement and ability to make well-reasoned credit decisions.
• Previous experience mentoring or developing junior team members.
• Highly resilient, proactive and solutions-focused.
• Able to work independently and hit the ground running with limited supervision.
• Comfortable working across international markets and time zones when required.

The Opportunity

This is an excellent opportunity for an experienced credit professional looking to join a high-growth, internationally focused business where you can have a tangible impact on both day-to-day credit decisions and the continued development of the organisation's risk capabilities.

If you have strong credit fundamentals, enjoy working at pace and are looking for an opportunity where you can make an immediate impact, we would love to hear from you.

If you have not heard from us within two weeks of submitting your application, please consider your application unsuccessful. We will retain your details for consideration for future suitable opportunities.