Credit Analyst

Job Description

Department : Credit and Analytics

Position : Credit Analyst

Reports to : Credit and Analytics Executive

Based in : Cape Town (Full Remote)

Position Overview

We are seeking a highly analytical Credit Analyst with strong data skills and experience in credit risk or financial analysis. The role focuses on analysing large datasets, portfolio trends, and credit risk models. The successful candidate will generate insights that guide strategic decisions, support policy development, and enhance risk monitoring across the portfolio.

Key Responsibilities

• Analyse large credit datasets to identify portfolio trends, concentrations, and emerging risks.
• Develop and refine credit risk models, scorecards, and testing frameworks.
• Produce regular reports and dashboards on portfolio performance, delinquency trends, and risk exposure.
• Use statistical and financial techniques to assess the impact of macroeconomic, sector, and policy changes on portfolio risk.
• Collaborate with data, risk management, and finance teams to improve data quality and analytical processes.
• Provide insights to management on risk appetite, portfolio segmentation, and underwriting strategies.
• Contribute to automation of credit monitoring and reporting processes.

Technical and Skills Competencies

Functional and Behavioural Competencies

Qualification and Experience Requirements

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