146 Credit Risk jobs in Johannesburg

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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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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Join to apply for the Credit Risk Analyst role at Sourcefin .

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.

Seniority level

• Entry level

Employment type

• Full-time

Job function

• Finance and Sales

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Join to apply for the Credit Risk Manager role at KPMG South Africa

Join to apply for the Credit Risk Manager role at KPMG South Africa

Function And Business Unit

Financial Risk Management – Credit Risk and Capital Management

Description Of The Role And Purpose Of The Job

We have an exciting opportunity to join our Financial Risk Management business unit, since we are looking to fill a Manager position in our Credit Risk & Capital Management team. We are a specialist function within KPMG’s Advisory Practice which has as its main purpose to assist clients with the development and review of often complex statistical models used to quantify financial risks. The Credit Risk & Capital management team is made up of credit risk modellers and analysts from a broad and diverse range of quantitative backgrounds, including mathematics, statistics, engineering and actuarial.

Job Title/position

Credit Risk Manager

Number Of Positions

2

Function And Business Unit

Financial Risk Management – Credit Risk and Capital Management

Description Of The Role And Purpose Of The Job

We have an exciting opportunity to join our Financial Risk Management business unit, since we are looking to fill a Manager position in our Credit Risk & Capital Management team. We are a specialist function within KPMG’s Advisory Practice which has as its main purpose to assist clients with the development and review of often complex statistical models used to quantify financial risks. The Credit Risk & Capital management team is made up of credit risk modellers and analysts from a broad and diverse range of quantitative backgrounds, including mathematics, statistics, engineering and actuarial.

As a Manager, you will not only have a technical specialist role in the auditing and the development of credit risk models (IFRS9, scorecards, etc.), but also assist the Senior Manger with responsibilities with regard to the planning, organization and quality control of projects. The role offers exposure to a wide range of modelling techniques used by banks ranging from smaller local credit providers to globally systemically important banks. It also provides access to the latest technologies and developments, and you will be able to hone your coding skills in packages like Python, R and SAS.

Key Responsibilities

• Development and review of credit risk model both for provisioning and regulatory capital requirement purposes
• Support with managing projects in the planning/budgeting, execution, and close-out phases.
• Assisting with the coding and automation of financial risk management models
• Participating in building a coaching culture aimed at getting the best out of others in an environment where everyone in the team feels empowered to speak up or challenge where appropriate.
  
  

Skills And Attributes Required For The Role

• Relevant experience within a quantitative credit risk-based role
• Well versed in contemporary statistical techniques and practices in credit risk modelling.
• Able to read, interpret and create software code, and relevant experience with modern computing languages related to credit risk modelling (e.g. SAS, Python, or R)
• Strong organisational and time management skills
• Proven track record of managing and delivering small workstreams
• Experience of managing teams, coaching and mentoring junior staff
• Able to work effectively in a fast-paced environment with conflicting priorities and deadlines.
• Good presentation and communication skills with ability to articulate quantitative concepts to both technical and non-technical individuals
• Participating in building a coaching culture aimed at getting the best out of others in an environment where everyone in the team feels empowered to speak up or challenge where appropriate.
  
  

Minimum requirements to apply for the role (including qualifications and experience):

• A Hons or Masters degree in a quantitative discipline such as Quantitative Finance, Mathematics, Statistics or equivalent, FRM advantageous
• At least 6 years of experience in credit risk

Seniority level

• Seniority level Mid-Senior level

Employment type

• Employment type Temporary

Job function

• Job function Finance and Sales
• Industries Business Consulting and Services

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Job Reference: JHB -HRM-1

Purpose of the Job:
Review and Recommend Models and Strategies: The manager plays a pivotal role in reviewing and recommending the company's developmental credit risk and investment risk models and strategies in line with best practice. This involves staying updated on industry standards and ensuring the company's approaches are competitive and effective.

Develop and Maintain Risk Models: Assist in developing, monitoring, reviewing, and maintaining portfolio risk models and IFRS9 models for impairment purposes, focusing on Expected Credit Loss (ECL) and Unexpected Loss (UL) perspectives. This requires a deep understanding of predictive analytics and financial modelling.

Risk Quantification: Through predictive analytics, determine and update default probabilities across clients, products, and portfolios based on historical, current, and market data patterns and trends. This involves a data-driven approach to assess and mitigate risk.

Collaboration with Finance and Treasury: Work closely with Finance and Treasury to contrast the likelihood of possible performance scenarios around key value drivers such as collections, impairments, disbursements, etc., ensuring financial stability and foresight in planning.

Financial and Risk Reporting: Run month-end, quarterly, and year-end reporting processes, providing technical support in financial and risk reporting, issue analysis, project management, quality assurance review, and leading key projects that impact credit and investment projects.

Stakeholder Engagement and Team Collaboration: Collaborate with the Credit team, develop relationships with stakeholders outside the credit risk function, and contribute to various Credit and Investment Committees. This involves presenting insights and solutions that guide the company towards optimal investment decision-making.

Leadership and Employee Development: Lead employee development, demonstrating strong leadership qualities and a proactive attitude towards driving solutions. The role expects the candidate to be a good team player and self-motivated, enhancing the team's capabilities and promoting a culture of continuous improvement.

Awareness and Analytical Skills: Demonstrate a broad awareness of the credit and investment risk environment, management, financial reporting, and analytical skills. This foundational responsibility supports all other tasks by ensuring decisions are made based on a comprehensive understanding of the market and internal capabilities.

Duties & Responsibilities

Key Performance Areas:

• Portfolio risk management - reviews and recommends the company's developmental credit risk and investment risk models and strategies
• Policies, processes, and Stakeholder Management
• Credit Risk Reporting
• Data management and data analytics
• Risk modelling, forecasting and capital management
• Capital losses, Impairments and write-offs
• People Management

Qualifications
Minimum Requirements:

• CA(SA)/FRM/CFA/Masters in risk or postgraduate qualification in statistics
• Relevant Degree (Statistical/Finance/Mathematical background)
• MBA or similar (advantageous)
• Proficient in SAS/R/SQL
• Data analytics and data science (advantageous)

Preferred Qualification:

• Above or similar related qualification

Experience
Minimum Requirements:

• 7 years’ relevant experience in Credit risk, development finance, lending and investments. Advanced knowledge of investment risk management systems
• Knowledge of NCR and NCA and related legislation
• Experience in managing teams
• Expertise in building or validating impairment models (including experience in Basel/IFRS9/scorecard models, equity valuation)

Preferred Requirement:

• Above experience in a similar environment with financial modelling experience

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Credit Risk Manager

Reference: NFP -SHb-1

Are you a seasoned professional with a knack for navigating the intricate world of credit risk management? Do you thrive in dynamic environments where your strategic insights can shape the financial landscape?

Duties & Responsibilities

We are in search of a skilled Credit Risk Manager to join our talented team. As a Credit Risk Manager, you will play a pivotal role in assessing, monitoring, and mitigating credit risks to ensure the financial stability and success of our clients.

Key Responsibilities:

1. Develop and implement robust credit risk management strategies to safeguard against potential losses.
2. Analyze credit data and trends to identify emerging risks and opportunities for improvement.
3. Collaborate with cross-functional teams to establish and enforce credit policies and procedures.
4. Monitor portfolio performance and provide timely insights and recommendations to optimize risk-return profiles.
5. Stay abreast of industry developments and regulatory requirements to ensure compliance and best practices.

Qualifications

1. Bachelor's degree in finance, economics, or a related field; advanced degree preferred.
2. Ideally 5 – 10 years’ professional working experience.
3. Minimum of 3 (ideally 5) years’ credit modelling experience.
4. 1 - 2 years’ experience managing teams and/or projects.
5. Consulting experience is an advantage.
6. Proven experience in credit risk management within the financial services industry.
7. Strong analytical skills with proficiency in data analysis tools and techniques.

Apply now!

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