Credit Risk Originations Manager

3 days ago

Cape Town, South Africa Prodigy Finance Limited Full time

**Prodigy Finance - Who We Are**:
Prodigy Finance is a platform that delivers socially responsible financial services, making it possible for students from more than 150 countries to fulfil their dream of studying at the world’s top universities and schools by financing their international postgraduate studies whilst delivering competitive financial and social returns to alumni, institutional and private investors.

This borderless and innovative model enables education loan financing to students from across the globe whilst using predicted post-degree affordability rather than present-day salary. Since 2007, Prodigy Finance has extended over US$1.7 billion through the platform to fund over 29,000 students.

We are funded by some of the best pre-eminent institutions in the world, including Index Ventures, Balderton Capital, RMIH, Credit Suisse, Deutsche Bank and more recently, DFC and CPP.

**Why this is an amazing opportunity**:
This role is perfect for an experienced, confident and results-driven individual who thrives in a complex environment and who wants to supercharge their career by experiencing first-hand what it is like to be part of an energetic, fast-growing company.

We are a non-hierarchical, non-corporate team; this means that you are going to get exposure to all aspects of our business immediately. You’ll gain as much accountability as you can handle and have an influence on building the company.

The sense of impact and reward will be huge. You will help to build a platform that helps to make a very real difference in the world. The platform is complex - it has to be, because we make it possible for students from more than 150 countries to obtain the finance to fulfil their dream of studying at the world’s top universities and schools. Be a part of delivering socially responsible financial services to the masses.

Our team is very international and very sociable; you will interact with everyone in the business around the world on a regular basis. Being an organisation that’s passionate about education, we place a high value on learning and personal growth, so you’ll have time to learn new skills in work time and at the company’s expense.

**Why join Prodigy Finance**:

- Be a part of a pioneering global growth company.
- Experience the excitement and learn from being part of an incredibly fast-growing young company.
- Be pivotal in scaling the business by identifying smart solutions and partnering with tech at the heart of it.
- Enjoy the agility and flexibility offered by a startup culture. A sociable, relaxed and friendly work environment.
- We will help you make your mark. Make a real impact on the business and experience a steep learning curve with huge opportunities to grow and develop.
- Gain an inside perspective on the functioning of a venture-backed Fintech startup, backed by top VCs, learn day-to-day management and build functional expertise.
- Build a platform that helps to make a very real difference in the world

**What you will do in the role**:
Prodigy is a student loan lender offering postgraduate student loans, enabling students all over the world to study abroad. Your role is to evaluate the quality of the applicant and maintain and design models and strategies that predict the probability of default and affordability of these students. You will work closely with much of the originations business unit on product innovations that may have a bearing on the quality of the student loans originated. You will manage a team of high-performance credit analysts and be responsible for their coaching and development.

**Roles & Responsibilities**:

- Your primary responsibility is the design and implementation of a credit origination strategy which meets the business objectives.
- You will manage a team of analysts and provide ongoing coaching and mentorship to support their growth.
- You will also manage the credit underwriters and be responsible for decisions on escalated credit cases and other operational tasks.
- You will be the owner of the Loan Originations Policy and Credit Risk SOP.
- You will work closely with the Predictive Analytics (Data Science) team in the design of Credit Models that predict the Probability of Default, the future earnings potential of our customers and the risk of the schools that we support.
- You will work closely with the product managers who work on the design of our financial product, the verification of our customer information and the disbursement of our loans.
- You will work closely with the legal and compliance team to make sure that our underwriting strategy is compliant with Prodigy’s regulatory model.
- From time to time, you will present our credit underwriting strategy externally to debt or equity investors.

**Qualifications and Experience**:

- A truth seeker who is curious, highly motivated and ambitious
- 4-6 years of relevant experience in consumer credit originations. Experience managing scorecards,
- Proven experience

  • Debt Originator: Diversified Credit

    3 weeks ago

    Cape Town, South Africa Tracking Talent: a WilsonHCG Company Full time

    One of South Africa’s largest Asset Managers is seeking a Debt Originator to join their Diversified Credit team. This role is accountable for originating, analysing, processing and monitoring of diversified credit transactions in South Africa. The individual will be responsible for origination and execution of unlisted credit transactions with support...

  • Credit Risk Manager

    3 days ago

    Cape Town, Western Cape, South Africa Yoco↗︎ Full time

    Who we areYoco is one of Africa's largest fintech companies, building an ecosystem of intuitive, dynamic payments and business tools. These connected tools are easy to tailor to diverse business needs, enabling brave businesses to do better and grow.Founded in 2015, we now process over US$3 billion annually for over 400,000 businesses.We are powered by over...

  • Credit Risk Assessment Expert

    4 days ago

    Cape Town, Western Cape, South Africa Network Recruitment Full time

    We are looking for a highly analytical and detail-oriented Credit Risk Assessment Expert to join our team. As a key member of the team, you will be responsible for conducting thorough credit risk assessments of listed debt instruments.This role offers the opportunity to work in a dynamic, fast-paced environment where your expertise will directly influence...

  • Credit Risk Data Analyst

    3 weeks ago

    Cape Town, South Africa Scholtz Partners International (Pty) Ltd. Full time

    **Brief description of the vacancy** This person makes the decision on whether the loan is approved or not. They need to analyse the data given, work on the current models, and be able to build onto them. This role is focused on building and maintaining technically sound credit models to report on the health of the credit loan book. **Experience...

  • Senior Credit Risk Manager

    5 days ago

    Cape Town, Western Cape, South Africa Network Recruitment Full time

    We are looking for a Senior Credit Risk Manager to oversee the evaluation and mitigation of credit risks associated with investment opportunities.Responsibilities:Credit Risk Management: Assess the creditworthiness of potential investments and develop strategies to minimize potential losses.Collaboration & Communication: Work closely with the Credit...

  • Manager: Credit Risk Monitoring

    4 weeks ago

    Cape Town, Western Cape, South Africa Fempower Full time

    MAIN PURPOSE OF THE JOB The purpose of the job role is to assist, develop, monitor and report on the implementation of the Credit Risk Management Framework which includes credit policies, credit committee governance charters, portfolio monitoring and reporting within the organization, thereby assisting to maintain credit exposures within approved...

  • Manager: Credit Risk Monitoring

    3 weeks ago

    Cape Town, Western Cape, South Africa Fempower Full time

    MAIN PURPOSE OF THE JOBThe purpose of the job role is to assist, develop, monitor and report on the implementation of the Credit Risk Management Framework which includes credit policies, credit committee governance charters, portfolio monitoring and reporting within the organization, thereby assisting to maintain credit exposures within approved parameters....

  • Manager: Credit Risk Monitoring

    2 weeks ago

    Cape Town, Western Cape, South Africa Fempower Full time

    MAIN PURPOSE OF THE JOBThe purpose of the job role is to assist, develop, monitor and report on the implementation of the Credit Risk Management Framework which includes credit policies, credit committee governance charters, portfolio monitoring and reporting within the organization, thereby assisting to maintain credit exposures within approved parameters....

  • Business Credit Risk Manager

    11 minutes ago

    Cape Town, Western Cape, South Africa FinChoice Full time

    FinChoice is an innovative, consumer-facing fintech that specializes in providing fast loans and affordable insurance products. As a leading digital financial services provider, we are committed to delivering exceptional customer experiences through our cutting-edge technology.The credit risk team forms an integral part of the FinChoice business,...

  • Credit Risk Specialist

    6 days ago

    Cape Town, South Africa Engen Full time

    Engen Petroleum Limited Purpose of the JobTo assess and manage the risk profile of EPL and its subsidiaries thereby minimizing bad debts and controlling the overall credit risk to the company and to monitor and report on global and local credit risk trendsWho You Are: - You are energetic and eager to learn - You are a competent in financial analysis - You...

  • Credit Risk Specialist

    7 days ago

    Cape Town, South Africa Engen Full time

    **Purpose of the Job**: - To assess and manage the risk profile of EPL and its subsidiaries thereby minimizing bad debts and controlling the overall credit risk to the company and to monitor and report on global and local credit risk trends **Who You Are**: - You are energetic and eager to learn - You are a competent in financial analysis - You are...

  • Credit Risk Analyst

    5 days ago

    Cape Town, South Africa Mindworx Consulting Full time

    Run SQL code to extract granting risk measures and book health measures from the data warehouse. The code already exists just need someone who can run it. - Put together the granting risk measures and book health measures into a powerpoint that is fairly standardised. - If they know something about credit risk this helps as the measures need to be...

  • Senior Credit Risk Manager

    2 days ago

    Cape Town, South Africa RMV Recruitment Solutions Full time

    **Job Overview**: **Date Posted**: Posted 6 mins ago- **Location**: Cape Town, Western Cape- **Job Title**: Senior Credit Risk Manager- **Education Level**: Bachelors Degree- **Job Level**: Senior- **Minimum Experience**: 8 - 10 Years**Senior Credit Risk Manager required in Cape Town.**: Situated at our clients Cape Town Head Office, this role involves...

  • Credit Strategy Lead

    3 days ago

    Cape Town, Western Cape, South Africa Yoco↗︎ Full time

    About the PositionThis is an exciting opportunity to join Yoco's team as a Credit Risk Manager and contribute to our growth and future lending initiatives. You will work closely with a cross-functional team to bring innovative credit solutions to market, leveraging our credit performance data to drive informed decision-making.Your key responsibilities will...

  • Credit Risk Analyst

    5 days ago

    Cape Town, Western Cape, South Africa Merchant West Full time

    Merchant West is a leading provider of financial solutions and advisory services to businesses in South Africa. Our team of experts delivers tailor-made lending, wealth management, asset management, and transactional solutions to meet the unique needs of our clients.The Senior Corporate Credit Analyst will play a crucial role in driving our business forward...

  • Credit Analyst

    3 weeks ago

    Cape Town, Western Cape, South Africa Dynexity Full time

    Must have experience in credit research, portfolio risk analysis, and data management.Key Responsibilities: Quantitative Analysis: Assist in defining the PRIME framework, validate investment models, and develop analytics tools to monitor portfolio performance. Credit Research & Analysis: Apply models to assess default probability scores, analyze...

  • Credit Analyst

    1 week ago

    Cape Town, Western Cape, South Africa Dynexity Full time

    Must have experience in credit research, portfolio risk analysis, and data management.Key Responsibilities:Quantitative Analysis: Assist in defining the PRIME framework, validate investment models, and develop analytics tools to monitor portfolio performance.Credit Research & Analysis: Apply models to assess default probability scores, analyze...

  • Credit Analysis Professional

    5 days ago

    Cape Town, Western Cape, South Africa Network Recruitment Full time

    We are seeking a Credit Analysis Professional to conduct in-depth analysis of credit risk associated with potential investments.Responsibilities:Credit Analysis: Evaluate the creditworthiness of potential investments, considering factors such as credit ratings, spread levels, and market trends.Deal Origination: Identify and pursue investment opportunities in...

  • Credit Risk Team Leader

    7 days ago

    Cape Town, South Africa RJPersonnel Full time

    5years - Oversees and manages the analysis of new credit approvals. - Ensure the annual review of existing credit exposures is done effectively. - Establish and maintain an internal credit rating capability. - Establish and maintain an internal credit economic capital framework and ensure that this framework is integrated into wider economic capital...

  • Credit Analyst

    3 weeks ago

    Cape Town, South Africa Dynexity Full time

    Must have experience in credit research, portfolio risk analysis, and data management.Key Responsibilities:Quantitative Analysis: Assist in defining the PRIME framework, validate investment models, and develop analytics tools to monitor portfolio performance.Credit Research & Analysis: Apply models to assess default probability scores, analyze...