Senior Credit Risk Analyst: Portfolio & Scoring Expert

Truffle; Wes-Kaap; On-site; ZAR 700,000 - 1,100,000; Full time

Job summary

Truffle is seeking a Senior Credit Risk Analyst to monitor and improve lending portfolio performance based on-site in the Northern Suburbs, Cape Town. The role combines credit modelling, portfolio analytics and policy recommendations to balance approval rates, bad debt and profitability.

You will develop provisioning, forecasting models, assess bureau relationships, and coach junior analysts while collaborating with data teams to optimise risk decisions and reporting.

Qualifications

• Up to five years of analytical credit experience in banking, financial services or retail credit.
• High proficiency in SQL and Python or R.
• Credit modelling experience, including probability of default, loss given default and exposure at default.

Responsibilities

• Develop provisioning, profitability, bad debt and cash flow forecasting models.
• Optimise credit vetting, scoring policies and decision rules against credit performance targets.
• Analyse operational performance and prepare actionable recommendations for the Credit Committee.
• Work with credit bureaus on application, limit and collections scorecards.
• Track daily, weekly and monthly portfolio and operational risk metrics, identifying trends and recommending policy changes.
• Collaborate with data and architecture teams on data warehouse solutions.
• Assess fraud processes and recommend prevention strategies.
• Design reporting frameworks, validate BI outputs and adapt reporting to business needs.
• Coach and mentor analysts.

Skills

SQL

Python

R

Education

Three-year degree in technical/financial/analytical field

Honours or postgraduate qualification

Job description

Truffle is seeking a Senior Credit Risk Analyst to monitor and improve lending portfolio performance based on-site in the Northern Suburbs, Cape Town. The role combines credit modelling, portfolio analytics and policy recommendations to balance approval rates, bad debt and profitability.

You will develop provisioning, forecasting models, assess bureau relationships, and coach junior analysts while collaborating with data teams to optimise risk decisions and reporting.