Credit Investment Analyst

4 weeks ago

Cape Town, South Africa IO Global Full time

Who are we?

IOHK, is a technology company focused on Blockchain research and development. We are renowned for our scientific approach to blockchain development, emphasizing peer-reviewed research and formal methods to ensure security, scalability, and sustainability. Our projects include decentralized finance (DeFi), governance, and identity management, aiming to advance the capabilities and adoption of blockchain technology globally.

We invest in the unknown, applying our curiosity and desire for positive change to everything we do. By fueling creativity, innovation, and progress within our teams, our products and services are designed for people to be fearless, to be changemakers.

About RealFi:

RealFi is on a mission to unlock capital to drive investment into underfunded communities and assets in emerging markets. RealFi is combining traditional finance with technological innovation to make borrowing and lending services more transparent, efficient, and available to a broader population. The venture aims to build investment capabilities and a platform to syndicate debt globally in a fully compliant manner. While the initial focus is on Africa, RealFi has global applicability and ambitions. Within our current phase, RealFi has built a technology stack to better underwrite and structure investments for non-bank, digital lenders providing asset financing to MSMEs in emerging markets. These assets could range from financial receivables in the form of working capital finance and physical assets in the form of real estate, vehicles, technology tools and inventory etc. The key to RealFi's technology first underwriting model is data and the string of data attached to the process of lending and collecting against an asset. By embedding big data analytics within our underwriting process we can crowd more capital on actual fundamentals as opposed to perceived risk.

What the role involves:

As a Credit Investment Analyst, you will help support the efforts to scale-up this venture during its incubation phase within IOG. As a key member of the team you will work directly with the Senior Credit Analyst and the Head of Investment Operations of RealFi in managing the credit investment process, driving and supporting the sourcing, analysis and structuring of deals, and contributing to the overall build of the platform that creates value for both investors and borrowers.

- Analytical support to the end-to-end credit investment process across origination, screening, due diligence, structuring and monitoring.
- Support the screening of potential deals through thorough analysis of credit data, financial statements and other data to identify the degree of risk involved in extending credit.
- Conduct analysis as is required to provide insights on the borrower and its business model that would aid disbursement decision-making and monitoring.
- Compile all analyzed data and information, including recommendations, on the borrower into a comparable reporting format that supports deal structuring and decision-making.
- Work with the deal structuring team to determine and negotiate the lending parameters such as loan structure, cash flow, collateral, character, and other relevant lending issues.
- Work with the data and product teams to build up internal knowledge on key loan data points and support the development of a relevant data system supporting screening.
- Work with the data and product teams to identify relevant metrics and data points that would support continuous monitoring of the borrower’s financial performance.
- Conduct continuous financial monitoring of borrower performance after disbursement to maintain up-to-date understanding of the loan risk and quality.
- Build out aggregated and comparative analytics of the loan portfolio, identifying key trends and ensuring adherence to risk parameters.
- Present all analyzed data and information on specific deals or portfolios to key internal and external stakeholders as is required.

Requirements

Who you are:

- Degree in Finance, Accounting, Business Management, or Economics/MBA or similar.
- Professional qualifications in relevant fields (CFA, ACA) are a plus.
- 4+ years of professional experience as a financial or credit analyst.
- Experience in emerging markets.
- Experience in investment management with private credit funds or banking/ credit brokerage.
- Deep experience in credit analysis and underwriting.
- Strong credit risk background, and counterparty risk assessment knowledge, incl. knowledge of drivers of credit risk metrics, and underwriting and evaluating asset originators’ portfolio quality.
- Experience within a credit team, analyzing and challenging underlying data, policies, and procedures which apply in credit risk environments.
- Familiarity with DeFi protocols.
- Excellent oral and written communication skills, and ability to write and deliver reports and presentations in a way that can be easily understood by a non-credit audience, in a cross-cultural environment.

Are you an IOGer?

Do you find yourself questioning the status quo? Do you tinker with ideas and long to turn those ideas into solutions? Are you able to spark thoughtful debates, bringing out the inquisitiveness in others? Does the promise of continuously growing excite you? Then get ready to reimagine everything you thought wasn’t possible because that’s what it means to be an IOGer - we don’t set limits, we break them.

Benefits

- Remote work
- Laptop reimbursement
- New starter package to buy hardware essentials (headphones, monitor, etc)
- Learning & Development opportunities
- Competitive PTO

At IOG, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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