Standard Bank: BCB Credit Risk Graduate Programme

Learnerships Hub; Johannesburg; On-site; ZAR 300 000 - 400 000; Full time

Job summary

A dynamic financial institution is offering a Graduate Program in Credit Risk based in Johannesburg. This 18-month program provides hands-on experience in areas such as Credit Risk Modelling, Data Management, and Digital Lending Strategies. Candidates should have a Masters or Honours in relevant fields and develop key skills in SAS, SQL, and Python. Join a team that values innovation and professional growth.

Benefits

Comprehensive training

Professional development opportunities

Real-world projects

Career pathways

Qualifications

• Masters or Honours in fields like Business Mathematics, Statistics, Data Science, Actuarial Science, or Engineering.
• Honours qualification to be completed by 31 December 2025.

Responsibilities

• Understand the Credit Risk Lifecycle and its impact on business operations.
• Enhance coding skills in SAS, SQL, and Python.
• Contribute to digital risk modernization.
• Develop and maintain credit risk models.
• Create data-driven dashboards.
• Optimize credit limit setting strategies.
• Monitor credit portfolios and create effective management reports.
• Perform quantitative analytics to enhance credit strategies.

Skills

Analytical thinking

SAS

SQL

Python

Data visualization

Quantitative analysis

Education

Masters or Honours in relevant fields

Tools

Power BI

Qlik Sense

Job description

Are you ready to embark on an exciting career journey in Credit Risk within Business and Commercial Banking? Our Graduate Program offers you the opportunity to gain hands on experience in a dynamic and fast paced industry.

Through a series of rotations, you will gain extensive experience in a wide range of analytical areas across South Africa and the African Continent.

• Credit Risk Modelling– Learn to develop and refine models that assess risk, guiding critical lending decisions.
• Digital Lending Strategies– Discover advanced techniques in credit scoring and automated lending strategies to improve lending outcomes.
• Lending Portfolio Management– Gain insights into managing diverse lending portfolios and optimising performance.
• Data Management and Visualization– Master the skills to manage large datasets and create compelling visualizations that drive business insights.

Why join Standard Bank?

• Comprehensive Training– Receive in depth training from industry experts to build a solid foundation in credit risk.
• Professional Development– Access mentorship, networking opportunities, and resources to support your growth.
• Real-World Projects– Work on projects that have a tangible impact, helping you apply your knowledge and skills.
• Career Pathways– Our program opens doors to a rewarding career at Standard Bank.

Take the next step in your career journey with us and be part of a team that values innovation, collaboration, and excellence.

During this 18-month program, you will have the opportunity to:

• Understand the Credit Risk Lifecycle:Gain comprehensive insights into each stage of the credit risk process and its impact on business operations.
• Enhance Coding Skills:Develop and refine your expertise in SAS, SQL, and Python to analyse data and create innovative solutions.
• Contribute to Digital Risk Modernization:Play a key role in updating and streamlining digital risk solutions and strategies.
• Develop and Maintain Credit Risk Models:Assist in creating, deploying, maintaining, and monitoring models that evaluate risk and guide critical lending decisions.
• Create Insightful Dashboards:Use tools like Power BI and Qlik Sense to craft data-driven dashboards that provide valuable insights and key performance indicators (KPIs) for stakeholders.
• Optimize Credit Limit Setting Strategies:Support the design, maintenance, and improvement of strategies for digital and automated lending processes.
• Monitor Credit Portfolios:Contribute to the comprehensive oversight of credit portfolios and support the creation of reports for effective portfolio management.
• Perform Quantitative Analytics:Analyse data to evaluate current credit strategies and develop innovative challenger strategies to enhance Business and Commercial Banking portfolios.

Qualifications

Masters or Honours in:

BSc / BCom

• Business Mathematics and Informatics (BMI)
• Mathematics
• Statistics
• Data Science
• Actuarial Science
• Computer Science
• Engineering (Financial, Mechanical, Industrial, Electrical & Chemical)
• Operations / Operational Research
• Risk Analysis / Analytics

Honours qualification to be completed by 31 December 2025