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: Strong skills in data analysis tools such as SQL, Python, R, or advanced Excel (experience with BI tools like Power BI advantageous). Solid understanding of credit risk principles, portfolio management, and regulatory requirements (e.g., IFRS 9, NCA). Ability to translate complex datasets into actionable insights and clear recommendations. Excellent communication skills, capable of presenting findings to both technical and non-technical stakeholders. Functional and Behavioural Competencies: Data-driven decision making Analytical and quantitative skills Risk awareness and commercial insight Innovation and process improvement Collaboration across functions Qualification and Experience Requirements: Bachelors degree in Finance, Economics, Statistics, Data Science, or a related field (postgraduate or certifications advantageous). At least 5 years of working experience in credit risk, portfolio analytics, or financial modeling.

Location: City of Cape Town, ZA

Posted Date: 11/17/2025