Senior Credit Risk Analyst - Hybrid, Modeling & Portfolios

Placements24; Stellenbosch; Hybride; ZAR 900 000 - 1 200 000; Plein temps

Avantages offerts par ce poste

Competitive salary

Performance bonuses

Medical aid

Retirement fund

Professional development

Generous leave

Employee assistance

Career progression

Résumé du poste

Placements24 is seeking a Senior Credit Risk Analyst to assess and manage credit risk across the lending portfolio in a hybrid setup in Paarl, Western Cape. The role involves developing and maintaining credit risk models, conducting portfolio analysis, and recommending risk mitigations.

Strong statistical modeling and financial statement analysis are essential. The ideal candidate has 5+ years in credit risk, proficiency in R/Python/SAS and SQL, and excellent communication skills to convey

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
• A Master's degree is advantageous.
• Minimum of 5 years of experience in credit risk analysis or a related field within a financial institution.
• Proven experience in developing and implementing credit risk models.
• Strong knowledge of financial statement analysis and corporate finance principles.
• Proficiency in statistical software (R, Python, SAS) and SQL.

Responsabilités

• Develop, validate, and implement statistical credit risk models (e.g., PD, LGD, EAD).
• Analyze credit portfolios to identify trends, concentrations, and emerging risks.
• Perform stress testing and scenario analysis on the credit portfolio.
• Monitor KRIs and report on portfolio risk exposure to senior management.
• Review large or complex credit applications, providing expert recommendations.
• Contribute to development and refinement of credit policies and procedures.
• Ensure compliance with regulatory requirements related to credit risk management.
• Collaborate with business units to understand risk appetite and implement mitigation strategies.
• Prepare clear reports and presentations on credit risk for stakeholders.
• Stay updated on best practices and emerging trends in credit risk management.

Connaissances

Credit risk analysis

Statistical modeling

Financial statement analysis

Analytical skills

Communication skills

Formation

Bachelor's degree in finance/economics/statistics/mathematics

Master's degree advantageous

Outils

R

Python

SAS

SQL

Description du poste

Placements24 is seeking a Senior Credit Risk Analyst to assess and manage credit risk across the lending portfolio in a hybrid setup in Paarl, Western Cape. The role involves developing and maintaining credit risk models, conducting portfolio analysis, and recommending risk mitigations.

Strong statistical modeling and financial statement analysis are essential. The ideal candidate has 5+ years in credit risk, proficiency in R/Python/SAS and SQL, and excellent communication skills to convey