Analyst Credit Risk Cvm

3 months ago


Johannesburg, 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

To support the Manager: Portfolio analytics for the effective execution of the credit risk mandate with specific focus on the setting, review, and monitoring of the credit risk appetite within Everyday Banking (retail unsecured lending). The role also requires the incumbent to support in monitoring and strategic analytics that provide meaningful interpretation and narration of credit risk, leading to actionable conclusions and fact-based decisions in the management of portfolio shape and concentrations to achieve profit targets and to enable responsible book growth and management

**Job Description**:
Accountability: Credit Risk Appetite Setting / Review
- Identification of risk segments at product and customer level, based on default risk, volatility, and profitability
- Forecasting of balance rundowns and limit utilisations given Finance monthly booking forecasts
- Forecasting of income, cost, and impairment charges, given financial input assumptions and historical account behaviour within risk segments
- Setting vintage delinquency thresholds to trigger action by means of risk cutbacks in order to maintain risk levels within appetite
- Monthly monitoring of the adherence to risk appetite thresholds
- Monitoring continued relevance of risk appetite modelling assumptions

Accountability: Existing Customer Management
- Produce monthly reports for the Portfolio Quality Review to track portfolio movements and key risk metrics
- Monitor customer stress and key concentration risk metrics
- Produce analytics to identify and mitigate credit risk within the portfolio
- Analyse the impact of the current macro-economy, book growth, and bank initiatives on the credit health of the portfolio and the achievement of risk appetite.
- Diagnose root causes of concerns raised in observed book behaviour
- Identify opportunities to support and optimise responsible book growth and credit risk management

Accountability: Stakeholder management
- The above tasks would require liaising with, amongst others, the following teams under the guidance of the manager of portfolio analytics:

- Risk measurement / impairments
- Model development
- Acquisitions
- Finance
- Collections

Education and Experience Required
- Bachelor’s degree (post graduate degree preferred) in risk management, statistical analysis, actuarial science, business mathematics and informatics, econometrics or similar qualification

Knowledge & Skills:

- Proficiency in SAS (Base, Enterprise Guide or Viya), SAS EMiner advantageous
- Advanced MS Excel
- Understanding of credit risk and related statistical modelling
- Analytical and creative problem-solving skills
- Critical thinking
- Learning agility
- Good communication
- Time management and expectation management
- Strong work ethic
- Intrinsically motivated

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_



  • Johannesburg, 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 The...

  • CVM Data Analyst

    2 weeks ago


    Johannesburg, Gauteng, South Africa A 1L Realization (Pty) Ltd Full time

    About the RoleWe are seeking a highly skilled CVM Data Analyst to join our team at A 1L Realization (Pty) Ltd.Key ResponsibilitiesSupport in all CVM related data and analytical tasks, utilizing tools such as Data Base Management, Big Data (Hadoop, Hive, Presto/Trino), and SQL.Collaborate with the Decision & Analytics team to develop CVM-specific KPIs,...


  • Johannesburg, Gauteng, South Africa Credit Link Placements Full time

    Credit Risk Analyst Job DescriptionThe primary objective of this role is to identify and mitigate potential risks associated with client creditworthiness by conducting thorough credit assessments.Key Responsibilities:Conduct comprehensive credit risk evaluations by analyzing client financial statements, business plans, and management accounts.Develop and...

  • CVM Data Analyst

    3 weeks ago


    Johannesburg, Gauteng, South Africa A 1L Realization (Pty) Ltd Full time

    About the RoleWe are seeking a highly skilled CVM Data Analyst to join our team at A 1L Realization (Pty) Ltd. As a key member of our Decision & Analytics team, you will play a critical role in driving business growth through data-driven insights.Key ResponsibilitiesConsumer Segmentation: Utilize data to identify and analyze consumer behavior, enabling us to...


  • Johannesburg, Gauteng, South Africa Credit Link Placements Full time

    Credit Risk Analyst Job DescriptionThe primary objective of this role is to identify and mitigate potential risks associated with client creditworthiness by conducting thorough credit assessments and providing recommendations for new and existing accounts.Key Responsibilities:Conduct comprehensive credit risk evaluations by analyzing client financial...

  • Credit Risk analyst

    4 months ago


    Johannesburg, 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...

  • Risk Analyst

    5 months ago


    Johannesburg, 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 tolerance** **Detailed 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 fixed-income...

  • Credit Risk Analyst

    4 months ago


    Johannesburg, South Africa The Corporate Circle Full time

    Job Overview **Date Posted**: Posted 56 mins ago **Location**: Johannesburg, Gauteng **Job Title**: Credit Risk Analyst **Salary**: R50,000 **Education Level**: Bachelors Degree **Job Level**: Intermediate **Minimum Experience**: 3 - 5 Years Credit Risk Analyst job vacancy in Sandton, Johannesburg. **Requirements**: - Relevant business degree. -...


  • Johannesburg, 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 Summary Join...


  • Johannesburg, Gauteng, South Africa Network Recruitment Full time

    Job Title: Junior Credit Risk AnalystJob Summary:We are seeking a highly motivated and detail-oriented Junior Credit Risk Analyst to join our team at Network Recruitment. As a Junior Credit Risk Analyst, you will play a critical role in advising on credit risk, developing controls, and performing credit analyses.Key Responsibilities:Deliver Credit Risk...

  • Credit Risk Analyst

    4 months ago


    Johannesburg, South Africa TotalEnergies Full time

    **Pays** Afrique du Sud **Lieu** South Africa **Lieu de travail** JOHANNESBURG-BIERMANN AV(ZAF) **Société employeur** TotalEnergies Marketing South Africa (Pty) Ltd **Domaine** Finance **Type de contrat** CDI **Expérience** Minimum 3 ans As a Credit Risk Analyst, Ideally you will possess the following: - B Comm degree is a requirement -...


  • Johannesburg, Gauteng, South Africa Network Recruitment Full time

    Job Title: Quantitative Credit AnalystNetwork Recruitment is seeking a highly motivated and experienced Quantitative Credit Analyst to join their team. As a key member of the credit risk management team, you will be responsible for evaluating credit risk, developing risk models, and providing insights that support the company's credit risk management...


  • Johannesburg, Gauteng, South Africa Network Recruitment Full time

    Job Title: Quantitative Credit AnalystNetwork Recruitment is seeking a highly motivated and experienced Quantitative Credit Analyst to join their team. As a key member of the credit risk management team, you will be responsible for evaluating credit risk, developing risk models, and providing insights that support the company's credit risk management...


  • Johannesburg, South Africa FROGG Recruitment Full time

    **Junior Credit Risk Analyst Sandton Johannesburg** Our 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,...


  • Johannesburg, Gauteng, South Africa People Source Full time

    Delivering Real-Time Systems with Low Latencies and High Transaction ThroughputsAt People Source, we are seeking a highly skilled Technical Lead to oversee the delivery of our CVM ecosystems. As a key member of our team, you will be responsible for designing and implementing real-time systems that meet the highest standards of performance and reliability.Key...


  • Johannesburg, Gauteng, South Africa Network Recruitment Full time

    Network Recruitment is seeking a talented Quantitative Credit and Impairments Analyst to contribute to the development of credit risk strategies and overall success of a leading insurance company. Key responsibilities include supporting the development of impairment and regulatory type models, performing monthly portfolio monitoring, and sourcing and...


  • Johannesburg, Gauteng, South Africa Network Recruitment Full time

    Network Recruitment is seeking a talented Quantitative Credit and Impairments Analyst to contribute to the development of credit risk strategies and overall success of a leading insurance company. Key responsibilities include supporting the development of impairment and regulatory type models, performing monthly portfolio monitoring, and sourcing and...


  • Johannesburg, South Africa Glencore Full time

    **Job highlights** - Full time - Johannesburg, Gauteng, South Africa - Credit Risk **Job ID** - R200000854**Closing date** - 04/10/2024**Last Updated** - 27/09/2024*** **JUNIOR CREDIT RISK ANALYST** Department/Division: Credit Risk, Metals division. Location: Melrose, Johannesburg Reports: Credit Risk Analyst The global department provides credit risk...

  • Credit Risk Analyst

    5 months ago


    Johannesburg, 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...

  • Credit Analyst

    4 months ago


    Johannesburg, South Africa CA Global Headhunters International Full time

    Reference No. MTBSCA **Job Description: **Responsibilities: Credit Analysis: - Critically analyse a client’s business upfront and on an ongoing basis ensuring the Credit Risk is understood, monitored and managed. - Rate clients through rating model and analyse & comment on financial statements. - Analyse, interpret & interrogate financial models and...