Commercial Portfolio Risk Manager

7 days ago


Cape Town, Western Cape, South Africa Salt Full time

Company Overview

Salt is a pioneering fintech company revolutionizing financial services through cutting-edge technology and data-driven insights. Our mission is to provide seamless financial solutions while optimizing every stage of the lending journey.

We're looking for a talented Senior Commercial Analyst to drive data science-led decision-making, optimize collections strategies, and predict risk patterns that fuel sustainable portfolio management.

  • Laptop and software provided
  • Hybrid work setup with flexible hours

Job Description

As a Portfolio & Impairments Analyst, you'll be at the heart of loan performance analytics, using predictive modeling, machine learning, and risk segmentation to enhance collections, minimize bad debt, and drive profitability.

Key Responsibilities:

  1. Monitor and analyze loan behavior trends post-funding, identifying risks in arrears, defaults, and recoveries.
  2. Develop risk segmentation models using ML techniques to predict loan performance.
  3. Conduct delinquency analysis and assess macroeconomic impacts on portfolio performance.
  4. Collaborate with credit risk teams to enhance underwriting strategies using predictive insights.

Required Skills and Qualifications

To succeed in this role, you'll need:

  • Postgraduate Degree in Statistics, Actuarial Sciences, or Data Science
  • 3+ years' experience in data analytics, marketing analytics, or data science
  • Strong proficiency in Python, R, and PostGresSQL for data analysis and modeling
  • Expertise in credit risk, impairment forecasting, and expected credit loss modeling
  • Data visualization skills using Tableau, Redash, or Looker

Benefits

You'll enjoy:

  • Fast-paced, high-growth fintech environment
  • Work with cutting-edge AI & machine learning models
  • Make a real impact on business profitability and strategy
  • Hybrid work setup with flexible hours


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