349 Credit Risk jobs in South Africa

To provide client service by applying sound credit risk management principles through management of staff thereby enabling Nedbank to reduce the RRB impairment charge with the view to rehabilitate, in line with the business strategy.

Job Responsibilities

• Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS).
• Ensure efficient work ethic and achievement of business unit strategies & goals by proposing innovative ideas to enhance Business processes that facilitate customer experience.
• Provide feedback monthly by drafting business reports as at month end.
• Build and maintain effective working relationships by attending regular staff meeting and team building sessions.
• Build strong relationships with bankers by providing upskilling advice on credit processes, policies and documentation.
• Build intellectual capital of the team by knowledge sharing with all stakeholders.
• Meet clients' expectations by resolving queries within turnaround times.
• Manage staff performance by monitoring daily activities of direct reports.
• Manage performance of the team by conducting on the job training, counselling and coaching.
• Manage efficiency of team delivery by drafting and implementing team's strategies.
• Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections.
• Enhance policies and procedures by reviewing recommended submissions from other parties.
• Enhance processes by constantly seeking innovative improvements to the credit systems.
• Adapt to changes in Legislation by enforcing the compliance to the changes.
• Improve team performance by identifying staff performance gaps from assessment evaluations and analysing performance data from the Management Information System (MIS).
• Ensure clean audit in area of responsibility by enforcing adherence to bank policies, process and procedures and industry regulations.
• Implement sound credit risk management by providing advice on specialized credit risk matters to sales and direct reports.
• Develop client exit or rehabilitation strategies by conducting annual review of client facilities.
• Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required.
• Mentor and coach staff on identified performance gaps by discussing these performance gaps and agree on appropriate action to be taken.
• Motivate staff to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.
• Address issues raised in culture surveys by participating in the development and implementation of action plans.
• Create a client service culture through various required interventions.
• Support and encourage staff to participate and support corporate responsibility initiative.
• Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
• Encourage team to generate innovative ideas and share knowledge.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate
• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• Degree - BCom or BTech
• Diploma in Credit

Minimum Experience Level

• 5 years in Banking within Credit environment
• Min 3 years in risk management environment evaluating current and prospective clients' financial statements and credit reports to determine their ability to honour debt obligations
• Firm understanding of legalities associated with lending and collateral
• 1 -2 years' experience in a Team Management/ Supervisory position, would be advantageous
• Proven track-record of managing a large book

Requirements

• Valid Drivers license and own reliable transport
• Must be prepared to travel

Technical / Professional Knowledge

• Business administration and management
• Change management
• Client service management
• Communication Strategies
• Governance, Risk and Controls
• Organisational systems
• Principles of project management
• Strategic planning
• Management information and reporting principles, tools and mechanisms
• Building Partnerships
• Coaching
• Communication
• Customer Focus
• Driving for Results
• Selecting Talent

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Please contact the Nedbank Recruiting Team at

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Nedbank Ltd Reg No 1951/ /06.
Authorised financial services and registered credit provider (NCRCP16).

For assistance please contact the Nedbank Recruiting Team at

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Reference: NFP -SHb-1

Are you passionate about navigating the complex landscape of financial risk assessment? Do you possess a keen eye for detail and a knack for uncovering potential pitfalls before they arise?

Duties & Responsibilities

As a Credit Risk Consultant, you will play a pivotal role in analyzing credit data, assessing risk factors, and providing strategic recommendations to mitigate potential financial losses. You'll collaborate with cross-functional teams to develop innovative solutions that enhance our clients' risk management strategies.

Key Responsibilities:

1. Conduct thorough analyses of credit data to identify potential risks and opportunities.
2. Develop predictive models and risk assessment methodologies to optimize credit decision-making processes.
3. Provide actionable insights and recommendations to clients to minimize credit losses and maximize profitability.
4. Stay abreast of industry trends and regulatory changes to ensure compliance and best practices.

Qualifications

1. Bachelor's degree in finance, economics, mathematics, or a related field.
2. Proven experience in credit risk analysis and modelling within the financial services industry.
3. Proficiency in statistical analysis software and programming languages (e.g., SAS, R, Python).
4. Strong analytical skills with a meticulous attention to detail.
5. Excellent communication and interpersonal skills to effectively collaborate with team members and clients.

Apply now!

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Job Description

A Leading Financial Services client requires a Credit Risk Underwriter to be responsible for the processing and underwriting of a range of applications.

Key Responsibilities:

1. Processing and underwriting of New Business and Re-advance applications; SME funding applications and EFT applications.
2. Responsible for full credit assessment.
3. Credit risk underwriting.

Minimum Requirements:

1. Matric / Grade 12.
2. Tertiary Qualification - Advanced Certificates / Diploma in Business/Finance/Accounting.
3. Must have at least 3 years credit underwriting and analysis experience within the financial services industry.
4. Computer skills - CRM systems and MS Office (advanced MS Excel) essential.

Package & Remuneration

Salary Market Related

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Key Responsibilities

Follow the Senior Analyst’s lead to analyse a specific champion-challenger test and measure its impact.

Engage with key stakeholders to gather critical information that could influence the tests and their outcomes.

Establish the testing framework by leveraging data and developing reporting tools to monitor results.

Collect, clean, and organize data from various sources to ensure accuracy and prepare it for detailed analysis.

Deliver analytical solutions to address complex business challenges.

Maintain comprehensive documentation of the analytical processes and findings.

Present your analytical insights clearly and effectively to teammates and stakeholders.

Conduct in-depth analyses on portfolio performance, regulatory changes, unexpected events, and operational issues.

Utilize credit bureau data and other external sources to uncover valuable insights and trends.

Optimize our multi-channel communication strategy for collections.

Qualifications And Experience

• A degree in a numerate discipline, preferably Statistics / Mathematics / Engineering (Honours / Master’s degree preferable)
• Knowledge and experience in statistical/data management software packages (SAS/SQL)
• Enterprise Miner would be advantageous
• Knowledge of the credit industry and credit life cycle management is preferred
• Hands-on experience of large-scale customer database data interrogation and manipulation would be advantageous
• Experience in collections would be advantageous

Skills

• Excellent data interpretation skills
• Excel Knowledge
• Advanced problem solving, judgment and self-management skills

Behaviours

• Collaborates - effectively works with others to achieve shared goals
• Decision Quality - consistently makes timely, well-rounded and informed decisions
• Ensures Accountability - takes accountability and ensures others are held to account on agreed upon performance targets
• Financial Acumen - understands and applies financial concepts and principles to make informed financial decisions
• Instills trust - inspires trust and gains the confidence of others by displaying honesty and integrity
• Manages Complexity - interprets and simplifies complex and contradictory information when resolving organisational problems
• Optimizes Work Processes - assesses and improves the efficiency, effectiveness, and quality of various work processes
• Organizational savvy - understands and navigates dynamics created by processes, systems, and people

Please ensure that your Line Manager is aware of your application.

Preference will be given, but not limited to candidates from designated groups in terms of the Employment Equity Act.

About Us

Who we are is because of our people. They are our greatest asset. TFG is an internationally diversified retail portfolio of 34 speciality lifestyle and apparel brands that Inspire our Customers to live their Best Lives and are woven into the lives of millions. Our vision is to create the most remarkable omnichannel experiences for our customers. TFG is more than a workplace, it's a launchpad for your growth. Join us and explore endless growth opportunities across our diverse brands. We’re a purpose-led business, and on this team, you’ll share the pride of making an impact across a whole industry.

We’re the designers, the makers, the shakers and the teams behind the scenes.

Are you with us?

About The Team

The finance team at TFG provides the highest level of financial support and expertise across the entire business, both within central finance and specific business areas. This role is with the Cellular (hi) and Value Added Services area. The environment consists of 5 different business areas that are in different stages of business growth, many at the early stages of exciting new projects that will deliver enhanced business value to the TFG group.

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Job title: Talent Acquisition Professional | Bridging Behavioural Science & Data Analytics to Drive Strategic People and Business Insights | Skilled in SPSS…

Job Description: Credit Risk Analyst - 3 months contract (non-negotiable)

Stellenbosch, Western Cape (only candidates from this region will be considered)

Overview

Role Overview: We are seeking a highly skilled and detail-oriented professional to review Africa & International customer financials, conduct comprehensive credit risk assessments, and recommend appropriate credit limits. This role will also identify when bank guarantee instruments are required, and work closely with our banking partners to facilitate and finalize such guarantees. The ideal candidate will balance commercial opportunities with prudent risk management, ensuring that credit exposure is effectively controlled while supporting business growth.

Key Responsibilities

• Review and analyse the financial statements of the full customer base, including balance sheets, income statements, and cash flow statements.
• Conduct detailed credit risk assessments and develop risk profiles for individual customers.
• Recommend appropriate credit limits in line with company policies and risk appetite.
• Identify situations where bank guarantees or other financial instruments are required to mitigate risk.
• Collaborate with the company’s banking partners to facilitate and finalize guarantees or other credit support mechanisms.
• Prepare and present credit analysis reports and recommendations to management.
• Provide up-to-date knowledge of credit risk methodologies, trade finance solutions, and market best practices .
• Support the continuous improvement of internal credit policies, processes, and controls .

Requirements

• Education & Qualifications
• Bachelor’s degree in finance, Accounting, Economics, or a related field
• Professional certification such as CFA, CPA, CIMA, or a recognized Credit Management qualification preferred.
• Technical Expertise
• 5–7 years of experience , with at least 2–3 years specifically in credit risk assessment/trade finance .
• Proven track record in financial statement analysis and credit risk assessment .
• Strong knowledge of financial ratios, liquidity analysis, leverage, and solvency metrics .
• Experience with bank guarantees, letters of credit, and other trade finance instruments .
• Proficiency in ERP systems and credit risk analysis tools (e.g., SAP, Oracle, Moody’s Analytics, or equivalent).
• Strong analytical and problem-solving abilities , with attention to detail.
• Excellent decision-making and judgment in balancing business and risk considerations.
• Effective stakeholder management and communication skills , with the ability to explain complex financial matters clearly.
• Highly organized, with the ability to manage multiple credit reviews under tight deadlines.
• Demonstrated integrity, objectivity, and commercial acumen .
• Personal Attributes
• Proactive and solution-driven, with a focus on business enablement while managing risk .
• Resilient under pressure with a high level of accountability and ownership .
• Collaborative mindset, able to work effectively with finance, sales, and external banking partners .

Seniority level

• Mid-Senior level

Employment type

• Contract

Job function

• Finance and Accounting/Auditing
• Industries: Financial Services and Credit Intermediation

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Credit Risk Analyst
Johannesburg, South Africa – Full-time

At Sourcefin, we make purchase order funding and invoice discounting easy for South Africa’s forgotten SMMEs. As a Credit Risk Analyst, you’ll play a critical role in protecting the business by identifying, assessing, and mitigating risk. From vetting clients and end buyers to reviewing tender documents, your work will ensure every deal is sound, compliant, and aligned to our growth ambitions.

What you’ll do

• Conduct credit checks on prospective and existing clients.

• Review and vet client documentation, including bank statements.

• Assess and vet prospective and existing end buyers.

• Support the enhancement of our compliance frameworks and processes.

• Identify, escalate, and mitigate risks to Sourcefin.

What makes you a great fit

• Bachelor’s degree (Risk/Compliance advantageous).

• Experience with credit bureau platforms (advantageous).

• Strong communication skills, both written and verbal.

• Detail-oriented, organised, and able to work under pressure.

• Proficient in MS Office Suite.

• Risk-averse mindset and the ability to work both independently and in a team.

• Fluent in English (additional languages advantageous).

Why you’ll love working here

• Impact: Your work directly safeguards the company while enabling SMMEs to grow.

• Growth: Learn from a high-performing, close-knit team and develop your skills.

• Autonomy: You’re trusted to make sound decisions without micromanagement.

• Care: Medical aid contributions, mental health and well-being support via October Health, and subsidised meals from our Olive & Plate deli.

Ready to help us partner for growth?
Apply now and be part of a company where your diligence makes a tangible difference.

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Overview

Empowering Africa’s tomorrow, together…one story at a time. With over 100 years of history and a local bank with regional and international expertise, this career offers the opportunity to be part of growth, reset our future, and shape our destiny as an African group.

Job Summary

To optimize the performance of the Personal Loans Collections function by designing, implementing, and monitoring data-driven strategies. The role analyzes customer behavior, portfolio performance, and operational effectiveness to develop actionable insights that improve recovery rates, reduce delinquency, and enhance customer outcomes. A strong analytical mindset, proficiency in data tools, and a deep understanding of credit lifecycle dynamics are essential for success.

Job Description

Strategy, Planning and Risk Management

• Develop and/or optimize collections and high-risk account management strategies (preventing a customer rolling into collections) using leading-edge techniques and scoring to maximize collections, including ownership of implementation of the strategies (examples include TRIAD, Collections Scorecards).
• Participate in strategy setting and design of the Collections Operations and External Debt Collectors incentive programs to ensure effectiveness in motivating collectors and improving performance to meet budgeted targets.
• Maintain documentation of end-to-end credit collections strategy.
• Develop strategy and policy tests to challenge and enhance current strategies.
• Ensure Management Information (MI) is in place or developed to monitor strategy performance and ensure effective implementation/adherence by quality checking MI teams’ reports and reviews by relevant product committees.
• Ensure required portfolio reviews are completed, review results, and make recommendations to business leaders on adjustments to improve portfolio performance.

Stakeholder and Relationship Management

• Coordinate and communicate collections activities with the respective business units, Risk and Operations teams.
• Secure support from Collections and Recoveries Operations, Risk Teams, MI, Business teams, Finance, Product, Payments, Technology, and HR to deliver collections programs.
• Support the business units to achieve impairment targets and loan loss rates aligned with forecasting by providing proactive analysis and guidance on managing credit risk within acceptable levels.
• Review and report collections performance and trends to governance forums such as Portfolio Quality Review Meetings, Retail Credit Risk Committee, Group Risk teams, and Product Teams.

Risk & Compliance

• Ensure all strategies comply with internal policies, regulatory requirements, and industry best practices.
• Support audits and risk reviews by providing data and documentation as needed.

Data Analysis & Insights

• Analyze portfolio performance, customer behavior, and operational metrics to identify trends, risks, and opportunities.
• Translate complex data into actionable insights and present findings to stakeholders.

Process Improvement

• Identify and implement process enhancements to streamline collections workflows and reduce operational friction.
• Monitor external trends and benchmark performance to inform continuous improvement.

Qualifications

• Honours Degree in Mathematics and/or Statistics or equivalent NQF level 8 qualification.
• 5 years of banking experience, of which 2 years should be in a similar role (preferably Retail Banking).
• Highly numerate and literate.
• Well-rounded credit professional with sufficient management experience.

Knowledge and skills

• Knowledge of/experience dealing with Retail Bank clients (Expert).
• Proven record of accomplishment in credit management and sanctioning (Expert).
• Financial analysis and interpretation skills (Advanced).
• Stakeholder Management Skills (Advanced).
• Scorecard development (Expert).
• SAS Skills (Expert).

Education

Bachelor’s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required).

Equal Opportunity Statement: Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments contribute toward equitable demographic representation and diversity within the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised.

Details

• Seniority level: Mid-Senior level
• Employment type: Full-time
• Job function: Finance and Sales
• Industries: Banking and Financial Services

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# **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 optimize the performance of the Personal Loans Collections function by designing, implementing, and monitoring data-driven strategies. The role involves analyzing customer behavior, portfolio performance, and operational effectiveness to develop actionable insights that enhance recovery rates, reduce delinquency, and improve customer outcomes. A strong analytical mindset, proficiency in data tools, and a deep understanding of credit lifecycle dynamics are essential for success in this role.**Job Description**Strategy, Planning and Risk Management* Develop and / or optimize collections and high-risk account management strategies (preventing a customer rolling into collections) using leading-edge techniques / scoring to maximize collections, including the ownership of implementation of the strategies (Example TRIAD, Collections Scorecards).* Participate in the strategy setting and design of the Collections Operations and External Debt Collectors incentive programs to ensure their effectiveness in motivating collectors and ensuring performance is improved to attain budgeted targets.* Maintain documentation of end‐to‐end credit collections strategy.* Develop strategy and policy tests to challenge and enhance current strategies.* Ensure Management Information (MI) in place or is developed to monitor strategy performance and effective implementation/adherence by quality checking MI teams reports and reviewing the information the relevant product committees.* Ensure that the required portfolio reviews are completed, review the results and make recommendations to the business leaders on how their business activities should be tweaked to improve portfolio performance.Stakeholder and Relationship Management* Coordinate and communicate collections activities with the respective BUs, Risk and Operations teams.* Secure support from Collections and Recoveries Operations, Risk Teams, MI, Business teams, Finance, Product, Payments, Technology and HR to deliver collections programs.* Support the BUs to deliver impairment targets and Loan Loss Rates aligned with the forecasting by providing proactive analysis and guidance on how to manage credit risk within acceptable levels.* Review and report Collections performance and trends to the Portfolio Quality Review Meeting, Retail Credit Risk Committee, Group Risk teams, and Product TeamsRisk & Compliance* Ensure all strategies comply with internal policies, regulatory requirements, and industry best practices.* Support audits and risk reviews by providing data and documentation as needed.Data Analysis & Insights* Analyze portfolio performance, customer behavior, and operational metrics to identify trends, risks, and opportunities.* Translate complex data into actionable insights and present findings to stakeholders.Process Improvement* Identify and implement process enhancements to streamline collections workflows and reduce operational friction.* Monitor external trends and benchmark performance to inform continuous improvement.**Qualifications:*** Honours Degree in Mathematics and / or Statistics or equivalent NQF level 8 qualification.* 5 years of relative banking experience of which 2 years should be in a similar role (preferably Retail Banking).* Highly numerate and literate.* Well-rounded credit professional with sufficient management experience.**Knowledge and skills:*** Knowledge of / in dealing with Retail Bank clients (Expert).* Proven record of accomplishment in credit management & Sanctioning (Expert).* Financial analysis and interpretation skills (Advanced).* Stakeholder Management Skills (Advanced).* Scorecard development (Expert).* SAS Skills (Expert).**Education**Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)*Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.**Absa Bank Limited reserves the right not to make an appointment to the post as advertised*
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Business Segment: Corporate & Investment Banking

Location: ZA, GP, Johannesburg, Baker Street 30

To provide an efficient and effective credit origination, approval, and management process in respect of the allocated Corporate & Investment Banking (CIB) Global Multinational Corporations (GMNCs) and Chinese Corporations-linked portfolio. Develop and maintain co-operative relationships between all stakeholders in the CIB credit value chain, ensuring the appropriate, timely and effective management of the allocated portfolio and in collaboration with country and sector credit managers across the regional geographies where the portfolio GMNC/Chinese counterparties operate, providing guidance where needed to ensure alignment with the GMNC/China strategy and risk appetite, while assisting with skills dissemination to others, as well as investment in one’s own growth.

Qualifications

Minimum Qualifications

1. Type of Qualification: Post Graduate Degree
2. Field of Study: Business Commerce, Finance and Accounting
3. Other Minimum Qualifications, Certifications or Professional Membership: CA (SA) or CIMA
4. Proficiency in Mandarin would be advantageous

Experience Required

1. 3-5 years experience and in-depth understanding of accounting (both management and financial accounting) to analyze financial strengths and weaknesses of clients and identify potential risks to credit proposals.
2. 3-5 years experience and thorough conceptual and practical knowledge of credit procedures, policies, and standards, as well as a thorough understanding of bank products and facilities that give rise to counterparty credit risk. Seasoned understanding of Basel and broader regulatory and compliance requirements.
3. 3-5 years experience and understanding and working knowledge of risk systems monitoring and its related procedures for analyzing the account behaviour of clients and identifying trends and shifts in credit risk profiles. Seasoned technical understanding of non-credit risks encountered within transactions.
4. 3-5 years experience and well developed knowledge of financial markets, the global economy, and appropriate regional geographies in which the portfolio operates. Demonstrated experience in managing senior level stakeholders.
5. 3-5 years experience and seasoned understanding of lending and derivative products and facilities that give rise to counterparty credit risks, including the documentation required/presented to manage that risk.

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