Senior Credit Risk Analyst (CH1298

Capital H Staffing and Advisory Solutions; Cape Town; Presencial; ZAR 480.000 - 720.000; Jornada completa

Descripción de la vacante

Capital H Staffing and Advisory Solutions client in the payments and lending industry seeks a Senior Credit Risk Analyst to monitor and optimise credit risk across the lending portfolio through analytics, forecasting, credit scoring and data-driven policy recommendations.

Responsibilities include developing provisioning and cash flow models, refining scoring rules, tracking risk metrics, supporting Credit Committee decisions and mentoring analysts. Office-based in Kuilsrivier, Western Cape.

Formación

• Three-year degree in a technical, financial or analytical discipline.
• Honours degree in a quantitative field or postgraduate qualification advantageous.
• Up to 5 years' analytical credit experience in banking, financial services or retail credit.
• High proficiency in SQL and Python and/or R.
• Experience in credit risk modelling, including PD, LGD and EAD.
• Experience developing and monitoring credit scorecards and applying Champion–Challenger analysis.
• Strong diagnostic analytics, performance reporting and credit risk judgement.

Responsabilidades

• Develop provisioning, profitability, bad debt and cash flow forecasting models.
• Optimise credit vetting policies, decision rules and scoring strategies to achieve risk and growth targets.
• Analyse operational performance and provide recommendations to improve credit efficiencies.
• Support Credit Committee decisions through diagnostic and ad hoc analytics.
• Collaborate with credit bureaus on application, limit and collections scorecards.
• Track and interpret daily, weekly and monthly credit risk and operational metrics.
• Identify portfolio trends, emerging risks and opportunities, and recommend credit policy changes.
• Analyse fraud processes and recommend effective prevention strategies.
• Work with data and analytics teams on data warehouse solutions and reliable reporting.
• Develop and evaluate Champion--Challenger strategies for credit cut-off and limit decisions.
• Define reporting requirements and frameworks, and validate BI reporting outputs.
• Present actionable findings and recommendations to stakeholders and Credit Committee.
• Coach and mentor fellow analysts.

Educación

Three-year degree in a technical, financial or analytical discipline

Honours degree in a quantitative field or postgraduate qualification advantageous

Herramientas

SQL

Python

R

Descripción del empleo

Our client, operating in the payments and lending industry, is seeking a Senior Credit Risk Analyst to monitor and optimise credit risk performance across its lending portfolio. The role focuses on balancing bad debt and approval-rate targets with portfolio profitability through advanced analytics, forecasting, credit scoring and data-driven policy recommendations.

Key Responsibilities:

Credit Risk Analytics & Modelling

• Develop provisioning, profitability, bad debt and cash flow forecasting models.
• Optimise credit vetting policies, decision rules and scoring strategies to achieve risk and growth targets.
• Analyse operational performance and provide recommendations to improve credit efficiencies.
• Support Credit Committee decisions through diagnostic and ad hoc analytics.
• Collaborate with credit bureaus on application, limit and collections scorecards.

Portfolio Monitoring & Strategy

• Track and interpret daily, weekly and monthly credit risk and operational metrics.
• Identify portfolio trends, emerging risks and opportunities, and recommend credit policy changes.
• Analyse fraud processes and recommend effective prevention strategies.
• Work with data and analytics teams on data warehouse solutions and reliable reporting.
• Develop and evaluate Champion--Challenger strategies for credit cut-off and limit decisions.

Reporting & Leadership

• Define reporting requirements and frameworks, and validate BI reporting outputs.
• Present actionable findings and recommendations to stakeholders and Credit Committee.
• Coach and mentor fellow analysts.

Minimum Qualifications & Experience:

• [Three-year degree in a technical, financial or analytical discipline]{.mark}. An Honours degree in a quantitative field or other postgraduate qualification is advantageous.
• [Up to 5 years' analytical credit experience in banking, financial services or retail credit.]{.mark}
• [High proficiency in SQL and Python and/or R.]{.mark}
• Experience in [credit risk modelling, including probability of default (PD), loss given default (LGD) and exposure at default (EAD).]{.mark}
• Experience developing and monitoring [credit scorecards]{.mark} and applying Champion--Challenger analysis.
• Strong [diagnostic analytics, performance reporting and credit risk judgement]{.mark}.

Key Competencies:

• Excellent analytical and critical thinking, communication and stakeholder management skills.
• Proactive, organised and accurate, with the ability to meet deadlines.
• Able to work independently and collaboratively.

Work Environment:

• Office-based in Kuilsrivier, Western Cape.

General:

• We are committed to fair and inclusive hiring. All suitably qualified applicants are welcome to apply.
• Preference may be given in line with our client's Employment Equity plan and applicable legislation.
• Applicants must have the legal right to work in South Africa at the time of application.
• Only shortlisted candidates will be contacted. If you do not hear from us within 30 days, please consider your application unsuccessful.
• By applying, you consent to the processing of your personal information for recruitment purposes in accordance with POPIA.