Senior Credit Risk Analyst

3 months ago


Northern Suburbs, South Africa Pepkor Payments & Lending Full time

Furthermore, the Senior Credit Risk Analyst will recommend credit policy and operational policy changes based on analysis.

**Key Responsibilities**

1. Design and analytics
- Design and build provisioning, profitability, bad debt and cash flow forecasting models
- Design and continual optimisation of the credit vetting and scoring policy to ensure credit performance targets are met
- Analysis of operational performance and recommendations to improve credit efficiencies
- Perform ad hoc analysis required by Credit Committee to enable accurate decisioning
- and collections scorecards
- Coach and mentor other analysts to deliver on key performance areas

2. Portfolio monitoring and recommendations
- Daily, weekly and monthly tracking of relevant metrics
- Ensure accurate measurement and monitoring of credit risk and credit operational performance
- Work closely with the data team and information and analytics architect to implement data solutions in the data warehouse
- Monitor and analyse fraud processes to ensure optimal levels of fraud through proposals/recommendations to Credit Committee on effective prevention strategies
- Input and recommendations on the development and enhancement of the credit risk strategy and analytics for Capfin
- Identify trends in performance and recommend policy changes to Credit Committee

3. Reporting
- Design a reporting framework for implementation by BI team
- Validate reporting development by BI team
- Enhance reporting requirement to match business needs

**Qualifications**
- Grade 12 with a 3-year qualification in relevant technical/financial/analytical related field of study
- Bachelor’s Degree in numerical or quantitative areas
- A post-graduate qualification will be an advantage

**Work Experience**
- Minimum 5 years analytical credit experience within the banking, financial services or retail credit industries

**Functional Competencies**
- Scorecard building and monitoring
- Performance reporting and interpretation
- Formulate policy proposals in line with mandate
- Diagnostic analytics
- Manage relationships with credit bureaus
- Champion Challenger analysis

**Behavioural competencies**
- Strong analytical skills
- Work accurately to deadlines
- Good communication skills
- Proactive
- Able to work collaboratively or independently
- Organised

**Pepkor Payments and Lending is committed to creating equal employment opportunities.


  • Credit Specialist

    3 months ago


    Northern Suburbs, South Africa Star Personnel Recruitment Full time

    Northern Suburbs. Salary - Market related. **Qualifications: Honours degree in Finance / Accounting / Mathematics or related.** **Preferred: CA(SA)/ACCA/CIMA** **Purpose**: Meeting and exceeding SLA requirements for exceptional service delivery will be at the forefront of your responsibilities, as we strive to provide the best possible experience to our...

  • Credit Specialist

    3 months ago


    Northern Suburbs, South Africa CA Financial Appointments Full time

    **Responsibilities**: - Conduct financial analysis for large loans - Ensure strict adherence to the credit policy and credit processes - Continuously evaluate and refine the credit granting processes - Provide input into monthly reviewer schedules - Hold regular catch-up meetings with the Analyst team leader to identify training - Monitor the performance of...

  • Credit Analyst

    3 months ago


    Northern Suburbs, South Africa Communicate Recruitment Full time

    Prepare, review and analyze credit worthiness of business Review financial status of loan applicant/ business Engage and liaise with clients throughout loan process Create quotes and proposals along with credit and legal team Determine loan pricing and repayment terms Pipeline management from origine to close Post Transaction due diligence Follow up...

  • Credit Analyst, Hybrid

    5 months ago


    Northern Suburbs, South Africa CA Financial Appointments Full time

    We are looking for a young and dynamic Credit Analyst to join a fast paced and growing business. You will be responsible for the full loan origination process, this would include analysing and reviewing financial statements as well as doing the evaluations. You would need a completed degree and have about four years’ experience in a similar position. The...


  • Northern Suburbs, South Africa CA Financial Appointments Full time

    My client within the Financial Services sector is seeking a Senior Internal Financial Controls Analyst to join their growing team. The role is ideally suited to a CA(SA), who is passionate about a career in risk and compliance processes and controls. **Responsibilities**: - As Senior Analyst be responsible for supporting the Head of Governance Risk and...

  • Senior Systems Analyst

    3 months ago


    Northern Suburbs, South Africa Latitude Resource Full time

    A large African based retail business is seeking to employ a Senior Systems Analyst within the Business Solutions Team, based in Northern Suburbs, Cape Town. The Senior Systems Analyst will be the Product Owner of the company’s core retail solution and be responsible for the product’s roadmap and vision, owning the product backlog and managing all...

  • Senior Systems Analyst

    3 months ago


    Northern Suburbs, South Africa Latitude Resource Full time

    A large African based retail business is seeking to employ a Senior Systems Analyst within the Business Solutions Team, based in Northern Suburbs, Cape Town. The Senior Systems Analyst will be the Product Owner of the company’s core retail solution and be responsible for the product’s roadmap and vision, owning the product backlog and managing all...

  • Senior Systems Analyst

    3 months ago


    Northern Suburbs, South Africa PEP Full time

    A rare opportunity for a Senior Systems Analyst exists in our Business Solutions team at our Central Office. You will be the business Product Owner of Pep’s bespoke core retail solution responsible for the product’s roadmap and vision, owning the product backlog and managing all relevant stakeholders during product development. The role requires close...


  • Southern Suburbs, South Africa Communicate Recruitment Full time

    A JSE listed Insurance provider is looking for a Senior Investment Analyst in multi-management. **Job & Company Description**: Our client understands that each client has unique needs and long-term goals and has innovative solutions to help their clients achieve these goals. Within this company, they pride themselves on taking care of their employees by...


  • Northern Suburbs, South Africa Communicate Recruitment Full time

    A leading financial services company in the Capital market space is in search for a Senior Property Analyst for the Cape Town office. They are the leading business financiers for viable small and medium enterprises in the world, they feel very strongly in supporting and mentoring entrepreneurs. **Qualifications**: - Completed B. Com in Accounting - 5 years...


  • Southern Suburbs, South Africa Communicate Recruitment Full time

    The most innovative insurer in Africa is looking for a Quantitative Risk Analyst to optimize their ALM function and mitigate risks. This role is part of the Asset Liability Management (ALM) team within Balance Sheet Management. This high-performing team is responsible for developing and implementing ALM strategies to manage market risk in the guaranteed...

  • Senior Test Manager

    3 months ago


    Northern Suburbs, South Africa H2R Full time

    Western Cape, CPT - Northern Suburbs - Market related - Market related Hourly Basic Salary (Market related) Our client, a Leading Investment Administrator, has a vacancy for approximately 9 months for a Senior Test Manager. The position will be mostly remote. The Test Manager will be responsible for the delivery for all test types and phases for the...

  • Senior Equity Analyst

    2 months ago


    Southern Suburbs, South Africa Communicate Recruitment Full time

    A boutique Investment Management Firm is looking for a Senior Equity Analyst. **Job & Company Description**: This company is driven by excellence and that speaks for itself in the service that they provide. They are purpose-driven and ensure that they provide a first-class investment service to their clients. They are looking for a Senior Equity Analyst to...


  • Northern Suburbs, South Africa CA Financial Appointments Full time

    An exciting opportunity has become available for recently qualified CA(SA) to join a stable financial services company as a Group Operations Analyst. The successful incumbent will be dedicated to special projects, ad hoc reports whilst working alongside a small specialized team. They will also work closely with senior leaders and will gain invaluable...

  • Senior Risk Consultant

    3 months ago


    Southern Suburbs, South Africa Bridgena Barnard Personnel Group Full time

    Western Cape, CPT - Southern Suburbs - R 24000 - R 30000 Monthly Basic Salary (Negotiable) Food Manufacturer requires the services of a Senior Risk consultant for the facility Food Manufacturer requires the services of a Senior Risk consultant for the facility Matric ess or equivalent Diploma in related field 3 years exp in the following: Factory...

  • Investment Executive

    3 months ago


    Northern Suburbs, South Africa Talent Evolution Full time

    **Key responsibilities**: - Identify and analyze distressed debt investment opportunities from banks and other credit providers. - Conduct thorough due diligence on potential investments, including assessing risk, financial performance, and legal considerations. - Develop investment strategies and recommend investment opportunities to senior management. -...

  • BI Analyst

    3 months ago


    Northern Suburbs, South Africa PEP Full time

    A unique opportunity for a BI Analyst exists at South Africa’s friendliest retail brand. We are looking for a passionate expert that has a creative flair, and is not afraid to challenge the status quo to find efficient and effective solutions that support business processes and decision making. The role is responsible for the design and delivery of...


  • Northern Suburbs, South Africa Curo Fund Services (Pty) Ltd. Full time

    **Role purpose** To establish and align the company’s integrated risk management policies, processes and risk reporting to the Board’s enterprise-wide risk management approach. Provide independent audit assurance that Curo’s risk management, governance and internal control processes are operating effectively. To manage the compliance function and...

  • Systems Analyst

    2 months ago


    Northern Suburbs, South Africa PEP Full time

    Pep is embarking on a transformational project to replace our legacy core merchandise management system and we are seeking a dynamic and experienced individual to join our solutions team. The Systems Analyst will be an integral member of our Enterprise Solutions Team within the Business Solutions function. Reporting to the Product Owner of the Enterprise...


  • Northern Suburbs, South Africa Pepkor Payments & Lending Full time

    **About Pepkor Payments and Lending (Pty) Ltd** Pepkor Payments and Lending is a new division of Pepkor Trading (Pty) Ltd, that incorporates personal loans and store credit operations of Pepkor through two registered credit providers namely, Capfin and Tenacity Financial Services, who are also divisions of Pepkor Trading (Pty) Ltd. **Purpose of The...