Senior Credit Risk & Portfolio Optimization Strategist

Pepkor Payments & Lending; Cape Town; On-site; ZAR 900,000 - 1,200,000; Full time

Job summary

Pepkor Payments & Lending seeks a Senior Credit Risk Analyst to monitor, analyse, and interpret key risk indicators across the lending portfolio. You will optimise bad debt targets, pass rates, and profitability while guiding policy and scorecard development.

You will partner with the data team to implement robust risk metrics, provide actionable recommendations, and support Credit Committee decisions.

Qualifications

• Extensive experience in credit risk analytics for lending portfolios.
• Ability to design and optimize credit scorecards and decision rules.
• Proven skills in forecasting, provisioning and risk reporting.

Responsibilities

• Design and build provisioning, profitability, bad debt and cash flow models.
• Continuous optimisation of vetting and scoring policy for targets.
• Track metrics daily/weekly/monthly and report to Credit Committee.

Skills

Credit risk analytics

Data analysis

Forecasting

Scorecard design

Policy design

Tools

SQL

BI tools

Job description

Pepkor Payments & Lending seeks a Senior Credit Risk Analyst to monitor, analyse, and interpret key risk indicators across the lending portfolio. You will optimise bad debt targets, pass rates, and profitability while guiding policy and scorecard development.

You will partner with the data team to implement robust risk metrics, provide actionable recommendations, and support Credit Committee decisions.