Senior Credit Risk Analyst - Data-Driven Scoring & Forecasts

Capital H Staffing and Advisory Solutions; Cape Town; On-site; ZAR 480,000 - 720,000; Full time

Job summary

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.

Qualifications

• 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.

Responsibilities

• 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.

Education

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

Honours degree in a quantitative field or postgraduate qualification advantageous

Tools

SQL

Python

R

Job description

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.