Credit Risk Analyst

1 week ago


Johannesburg, Gauteng, South Africa Absa Bank Limited Full time
Empowering Africa's tomorrow, together one story at a time.

  • With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
Job Summary

This role involves analysing the profitability and risk associated with Vehicle and Asset Finance products and portfolios.

The person plays a critical role in optimising the value of the Vehicle and Asset Finance business by identifying opportunities for growth, improving profitability, setting the risk appetite, challenging pricing strategies, monitoring risk and implementing other actions to manage the overall performance of the Vehicle and Asset Finance business.


Job Description:

Portfolio Performance Monitoring:

  • Understand the interaction between the macro environment and credit performance and adjust credit underwriting strategy within Risk Appetite accordingly based on macro expectations.
  • Monitor the performance of the Vehicle and Asset Finance portfolio, tracking key performance indicators (KPIs), such as margin, balance sheet growth, capital utilisation, delinquency rates, default rates, and prepayment rates.
  • Conduct regular portfolio reviews to assess the quality of assets, identify trends, and recommend actions to mitigate risks and enhance performance.
  • Utilise data analytics and reporting tools to generate insights and actionable recommendations for portfolio optimisation.

Profitability Analysis:

  • Analyse the profitability of Vehicle and Asset Finance business and portfolios, assessing revenue generation, capital utilisation, costs, and associated risks.
  • Identify opportunities for revenue enhancement, risk reduction, cost optimisation, and process efficiencies to improve overall profitability.

Risk Management:

  • Assess and monitor risks associated with the Vehicle and Asset Finance portfolio, including credit risk, interest rate risk, and market risk.
  • Support the risk appetite and portfolio diversification to maintain a balanced risk profile
  • Challenge underwriting standards in order to improve profitability and sustainability.
  • Collaborate with the credit risk management team to develop risk mitigation strategies and ensure compliance with internal policies and regulatory requirements.

Business Planning and Forecasting:

  • Challenge forecasting of credit losses against trends and economic outlook.
  • Collaborate and challenge the risk management team to run required stress testing.
Education and Skills

  • 2 5 years experience required
  • Technical skills SAS and Microsoft Suite proficiency
Education

Bachelor's Degrees and Advanced Diplomas:
Business, Commerce and Management Studies (required)

  • Absa Bank Limited reserves the right not to make an appointment to the post as advertised_

  • Credit Risk analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Credit Link Placements Full time

    The overall purpose of the job is to assess and mitigate risk by carrying out a comprehensive and quality credit risk function by analyzing the client's business, financial statements, and management accounts in order to provide a recommendation on new accounts and existing accounts annually. · Record new account information in the new accounts register...

  • Credit Risk Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa TotalEnergies Full time

    PaysAfrique du SudLieuSouth AfricaLieu de travailJOHANNESBURG-BIERMANN AV(ZAF)Société employeurTotalEnergies Marketing South Africa (Pty) LtdDomaineFinanceType de contratCDIExpérienceMinimum 3 ansAs a Credit Risk Analyst, Ideally you will possess the following:B Comm degree is a requirement Understanding of Commercial Law Ability to analyse financial...


  • Johannesburg, Gauteng, South Africa FROGG Recruitment Full time

    Junior Credit Risk Analyst Sandton JohannesburgOur Client a well-established fintech/technology company in Sandton Johannesburg is looking for a Junior Credit Risk Analyst with 3-5 years of experience in a Credit Analyst or Data Analyst role. You will be involved in aspects of the business creating campaign files, optimizing and automating processes,...

  • Credit Risk Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa The Corporate Circle Full time

    We are looking for a Credit Risk Analyst! About the Company: Join our team at our Sandton office and be part of a dynamic financial services organization. Relevant business degree 3-5 years experience in Credit or Data Analyst role Strong SAS and advanced Excel skills are essential Team player with strong problem-solving skills Capable of working...


  • Johannesburg, Gauteng, South Africa 1001 Absa Bank Full time

    Empowering Africa's tomorrow, story at a time.With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job SummaryThe collections and...


  • Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Quantitative Credit Risk Analyst (Africa Regions) Job Overview Business Segment: Personal & Private Banking Location: ZA, GP, Johannesburg, Baker Street 30 Assist in building optimised, fit-for-purpose credit strategies for PPB Africa Regions. Assist in applying data mining techniques and conduct statistical analysis to large, structured, and unstructured...

  • Credit Risk Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Nedbank Full time

    Requisition & Talent Acquisition Consultant Details REQ Twanette Coetser Closing Date 25 March 2024Cluster and Location Total Business Banking and Retail Client Value Management Credit Risk Johannesburg, Gauteng HybridCareer Stream Credit CollectionsLeadership Pipeline Manage Self: TechnicalCredit Risk AnalystJob Purpose To reduce impairment charge and...

  • Credit Risk Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Nedbank Full time

    Requisition & Talent Acquisition Consultant Details REQ Twanette Coetser Closing Date 29 November 2023Cluster & Location Total Business Banking and Retail Client Value Management Credit Risk 135 Rivonia Road, Sandton HybridCareer Stream Credit CollectionsLeadership Pipeline Manage Self: Technical Credit Risk AnalystJob Purpose To reduce impairment charge...

  • Credit Risk Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Staff Solutions Full time

    Gauteng, JHB - Eastern Suburbs**(Market related)Our client in the Automotive Financial Services Industry is seeking a Credit Risk Analyst to join their team in Johannesburg.Duties & Responsibilities: Formulate and improve the basic system and management principles of the company's comprehensive risk management system, establish the company's credit risk...

  • Risk Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa IT Ridge Technologies Full time

    The purpose of this position is to assess, monitor and manage credit risk exposures in line with the company's risk toleranceDetailed Description: Analyze, assess and evaluate financial, market and business information in order to report on credit risk to facilitate informed decision making on the foreign exchange, gold and other fixedincome reserve...


  • Johannesburg, Gauteng, South Africa Glencore Full time

    1.ACCOUNTABILITY:2. KEY RELATIONSHIPS Finance team Senior Risk Management team Credit team3.QUALIFICATION & SKILL REQUIREMENTS:Minimum Qualifications: Educated to a bachelor's degree (preferably in finance, risk management, accounting, economics, business studies) Additional extensive training will be provided internallyCompetencies: Proficient knowledge...


  • Johannesburg, Gauteng, South Africa FirstRand Full time

    About us, purpose, experience and qualificationsabout us:purpose: To participate in the framing of the longterm strategic vision regarding the landscape of credit, counterparty and market risks to ensure sustainable and effective decision making (e.g. metrics, systems, tools, methodologies, and regulation). In addition to this the purpose of the Counterparty...

  • Credit Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Business Segment: Personal & Private Banking Location: ZA, GP, Johannesburg, Baker Street 30 The credit analyst is responsible for the development, analysis and monitoring of strategies across the credit lifecycle, with the objective of improving existing portfolio performance and increasing profitability.The analyst will be required to assist with the...

  • Credit risk analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Network Recruitment Full time

    This high performing and diverse team is responsible for offering credit risk advice, generating reports, and conducting macroeconomic analysis specifically for the product division. The role entails meticulous examination of credit risk, continuous monitoring, and thorough evaluation of counterparties. It mandates the timely delivery of both regular and...

  • Credit Risk Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Network Recruitment Full time

    This high performing and diverse team is responsible for offering credit risk advice, generating reports, and conducting macroeconomic analysis specifically for the product division. The role entails meticulous examination of credit risk, continuous monitoring, and thorough evaluation of counter-parties. It mandates the timely delivery of both regular and...

  • Credit Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Nedbank Full time

    Requisition & Talent Acquisition Consultant DetailsREQ Twanette CoetserClosing Date - 07 June 2024Cluster & LocationTotal Business Banking and Retail - Credit Value Management Johannesburg, Gauteng Career StreamCredit ManagementLeadership PipelineManage Self: ProfessionalCredit AnalystJob PurposeWe are looking for an experienced Credit Analyst to join our...

  • Credit Risk Analyst

    1 week ago


    Johannesburg, Gauteng, South Africa Network Recruitment Full time

    As the Credit Risk expert, you will be responsible for the following:Conducting thorough financial analysis, including organizing financial data, contributing to the assessment of counterparties using internal scoring models, and updating Credit Ratings while guiding credit risk tolerance. Regularly providing both scheduled and ad-hoc reports on...


  • Johannesburg, Gauteng, South Africa FirstRand Full time

    About us, purpose, experience and qualificationsabout us:purpose: The purpose of the Credit Originator Analyst role in Broader Africa is to enable, guide and support in the corporate credit origination value chain with a focus (but not exclusively) on transactions for Debt and Trade Solutions (DTS) and related/required transactions. The purpose of the Credit...


  • Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Business Segment: Business & Commercial Banking Location: ZA, GP, Johannesburg, Baker Street 30 To provide extensive monitoring and MI, prepare Credit Risk data and reports; including MI to the business and reports to Committees and at Group level. To support delivery of projects involving credit risk at a local and wider Group level. To provide...

  • Analyst Credit Risk

    1 week ago


    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job SummaryTo support...