92 Portfolio Risk jobs in South Africa

Job description:

To do accurate and independent analysis in relation to risk items, including operational incidents, and then present findings to the relevant risk manager. Will also be required to evaluate and then enhance / automate current analysis and reporting for PSG group as a whole and improve our risk management system.

Responsibilities:

• Plan, execute and manage risk analysis and assessments, both financial and operational, against set parameters
• Collate and draft appropriate risk reports and provide effective feedback
• Ensure operational incidents are appropriately documented and managed
• Assist in maintaining and improving risk dashboard
• Assist in establishing internal protocols and effective risk management communication to improve risk management culture and awareness within business
• Monitor risk tolerance levels and provide solutions for improvements
• Collate and interpret risk assessment results
• Ensure risk or weaknesses identified are escalated
• Building relationships with business

Minimum requirements:

• CA (SA), or
• Bachelor's degree (Mathematics / Applied Mathematics / Statistics/ related qualifications)
• Financial services, Platform, Securities, Investment, IT and Risk experience advantageous
• Programming abilities advantageous
• Specialist knowledge on regulatory matters advantageous
• Risk management qualification and experience advantageous

Competencies:

• Attention to detail
• Strong analytical and numerical skills
• Self-starter and ability to work independently
• Strong written and verbal communication skills
• Problem identification and solution skills
• Integrity is non-negotiable
• Has the ability to assimilate and apply relevant business principles
• General IT knowledge and skills

Job Type: Full-time

Work Location: In person

Our client within the fintech space is seeking someone who will be responsible for the financial performance of all funding providers while meeting the financial return targets of different funding providers (banks, funds, DFIs). You will also co-own the targets and outcomes and report directly to the Asset Management Lead.

What you will be doing:

• Be responsible for the financial performance/financial return targets of all funding providers, co-owning targets and outcomes with the Asset Management Lead.
• Be accountable for allocation of microcredit assets across geographies, risk segments and product classes to generate targeted returns for the company and it's diverse funding partner group (funds, banks, DFIs and the company's own capital).
• Manage funder specific e-wallet positions to ensure sufficient liquidity given targeted lending levels.
• Have close interaction with the Treasury team to facilitate cross country capital movements to ensure the optimal use of funds across all geographies.
• Forecast key portfolio metrics, including lending volume, performance and cash flow velocity.
• Advance risk and asset management capabilities in terms of systems and ability.
• Integrate across functions to ensure optimal delivery of revenue and customer acquisitions targets.

Skills and experience needed:

• 3+ years risk/analytical/commercial experience within fintech or financial services as a risk, treasury or portfolio analyst
• Exposure to risk management, consumer lending, banking, asset management or portfolio management/analysis.
• Strong analytical and technical skills with proven ability in Excel and exposure to SQL/Power BI (or equivalent tools) to drive data-led decision making
• Strong interpersonal and communication skills, with the confidence to engage stakeholders, present recommendations, and ask the right questions
• Intellectually curious, growth-oriented, and motivated by the company's mission, with the resilience and adaptability to thrive in a fast-paced environment
• Solid financial product knowledge with strong understanding of credit lifecycle, portfolio metrics, and forecasting.
• Proven experience in asset, portfolio, and risk management, including both strategic and tactical asset allocation.

Advantageous:

• CFA/FRM or an equivalent certification
• Knowledge and application of credit scoring and risk management techniques across the entire credit life cycle on consumer portfolios.
• Experience in liquidity and treasury management, including an understanding the FTP concept

MAIN FUNCTIONS OF THE JOB

Risk Management

• Identifies Key Risk Indicators (KRI) and tolerance levels, where appropriate in respect of major risks facing the bank through workshops and meetings with Risk Owners
• Records and maintains the risk register for Risk events and risk indicators, with an analysis and prioritise actions to mitigate associated risks.
• Ensures that Risk Management Programmes are maintained and up to date with current developments and trends within the industry and in keeping with Group policies and that they are appropriate for the bank.
• Develop and enhance the risk management framework, policies, and procedures specific to Islamic banking to effectively identify, assess, and mitigate risks.
• Monitor and analyse internal and external risk factors
• Assist to ensure compliance with regulatory requirements related to risk management and Islamic banking principles.
• Implement risk management tools and systems to facilitate risk identification, measurement, and reporting.
• Specific focus on credit, capital, liquidity, and operational risk management. Other risk areas must be also considered especially in terms of its impact on the Bank.
• To use robotics and artificial intelligence where possible to improve risk reporting.

Bank's Annual Risk Functional Plan:

• Assist to develop objectives for the plan
• Completing risk monitoring and reporting and ensuring clarification of risk measurement based on impact and probability are recorded appropriately.
• Escalating risk matters requiring attention and making appropriate recommendation to mitigate risks, where appropriate to the risk manager
• Implement the annual functional plan for the risk management department, aligning objectives with the organization's strategic goals.
• Assisting in setting key performance indicators (KPIs) and targets to measure the effectiveness and efficiency of risk management initiatives.

Regulatory:

• Identify and comply with regulatory requirements pertaining specifically to risk management such as the implementation and continuous embedment of Risk Data Aggregation and Risk Reporting (RDARR).
• Maintain an updated ICAAP that considers the major risks facing the Bank and capital required to manage.
• Identify any other regulatory requirements that may require risk management assistance such as Recovery Plan, Cyber resilience, Business Continuity etc.
• Assist to Implement ABG recommendations on credit, liquidity, and other risk areas where necessary.

Strategy:
- Contribute to the development and execution of the organization's risk appetite and risk tolerance framework.
- Assist with managing and reporting of the Banks development and implementation of the Strategic plan.

Internal Controls and Insurance:
- Assist to ensure the maintenance of robust internal control mechanisms to mitigate risks and comply with regulatory requirements.
- Collaborate with relevant departments to assess insurance needs, ensuring adequate coverage for identified risks.

Administration
- Complies with departmental policies and procedure manuals in line with Banks Act and Regulations, Board directives and best business practice.
- Evaluates policies and procedures including methodologies, measurement, and reporting on an ongoing basis and amendments effectively implemented across the organisation.
- Assist to report departmental progress monthly to EXCO, quarterly to Risk and Capital Management Committee of the Board
- Assist to monitor Functional Plans as approved and ensures that it is adhered to, completed and remains within the department's budget.
- Monitoring of department budget and reporting to EXCO and investigates monthly variances
- The development and maintenance of risk management policies and procedures to ensure their effectiveness and alignment with the organization's objectives.
- Collaborate with other departments to implement risk management initiatives

Internal and External Communication

• Daily, weekly, and yearly planning meetings with the Risk Manager to identify any key events that require attention.
• Distributes Risk reports to Chairman of Risk and Capital Management Committee and line Executive.
• Communicates feedback regarding impacts and probability of significant risks to the risk manager and pro-actively manage risks requiring urgent attention.
• Communicating with external consultants, auditors, and other industry role players (SABRIC, SAFPS, BASA, etc)
• Attending meetings hosted by SARB, BASA, SABRIC, SAFPS,BASA etc

Knowledge

• Thorough understanding of Risk Management Techniques pertaining to Liquidity, Capital, Operational and Credit risk management
• Best practice standards on Risk Management

• Microsoft Office including Power Bi

• Banking policies and procedures

Qualifications:

• A B. Com degree or Relevant Qualifications in Risk Management or equivalent will be required to meet the requirements of the role at the highest level of competence
• A newly qualified Chartered Accountant would be advantageous

Experience:

• A minimum 3 years of Auditing and /or Banking experience

Albaraka Bank is an Equal Opportunity Employer. Applicants from the previously disadvantaged groups and people with disabilities will be given preference

Operations & Governance Support

• Support the ERM function across all risk types.
• Collaborate with stakeholders (including risk champions) to support a culture of risk awareness and reporting.
• Perform risk identification, assessment and management across the business through the development and use of risk tools such as Risk registers, risk surveys, KRIs, RCSAs, root cause analysis on Risk Events, etc.
• Perform challenge and review of business output, including, but not limited to, ORSA.
• Attendance and participation at forums and committees where it is appropriate for ERM to attend, follow up and delivery of actions timeously in a thorough manner.
• Develop and maintain comprehensive risk reporting, including use of risk management systems and data visualization tools.
• Support the CRO in ensuring that cluster reporting is timely, accurate and covers all relevant elements of the framework to Management and external parties providing the adequate comprehensive view exposure of the organization. Perform research of best practice and incorporate into processes by collaborating with stakeholders.
• Co-ordinate and assist in facilitating the ORSA process.
• Ensure that the Risk Management Frameworks remain fit for purpose and are aligned with Global AIG and international standards and best practices.
• Support the effective operation of the governance bodies and produce all regular and ad-hoc reporting from ERM for the relevant governance bodies (e.g. Exco), regulators, and other key stakeholders.
• Support the Combined Assurance Forum (CAF), by preparing the ERM submission, collating submissions from the other assurance providers and preparing accurate minutes thereof. Communicate with all stakeholders and manage delivery of actions.
• Support the build-up of ERM's body of knowledge
• Maintain the structure to documents and records
• Liaise with the appropriate counterparties on ERM Systems and Data ensuring their quality, fitness, and governance.
• Perform risk training with stakeholders

Experience & Qualifications Required

• Knowledge and practical experience of Financial Services (non-life insurance preferred).
• Degree in a relevant subject (risk management / insurance / accounting, etc)
• Interest in all risk types (insurance, operational, market risks)
• Strong working knowledge of Microsoft office including MS Excel, Word, PowerPoint, SharePoint, and MIS tools such as PowerBI/Tableau
• Excellent communication skills - both verbal and written
• Ability to work on your own, take initiative and prioritise.
• Strong ability to synthesize information
• with an ability to describe complex ideas in a simple way, including clear recommendations and conclusions
• Experience in drafting papers and reports
• Exposure to developing and implementing ORSA processes
• Designing and deploying risk management tools including MI, KRIs, Risk Reviews
• Work with other assurance providers (Audit and Compliance)
• Modelling awareness: Familiarity with risk-to-capital modelling
• Awareness of the uses and limitations of statistical approaches

MINIMUM REQUIREMENT

Insurance Experience Required
2 years experience in a risk or audit role in insurance

Bcom or equivalent degree?

At AIG, we value in-person collaboration as a vital part of our culture, which is why we ask our team members to be primarily in the office. This approach helps us work together effectively and create a supportive, connected environment for our team and clients alike.

Enjoy Benefits That Take Care Of What Matters
At AIG, our people are our greatest asset. We know how important it is to protect and invest in what's most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security—as well as your professional development—to bring peace of mind to you and your family.

Reimagining insurance to make a bigger difference to the world
American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world's most far-reaching property casualty networks. It is an exciting time to join us — across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.

Welcome to a culture of inclusion
We're committed to creating a culture that truly respects and celebrates each other's talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG's greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.
AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to

Preference will be given to previously disadvantaged candidates in line with the company's Employment Equity Plan. Specific preference will be given to people with disabilities.

Functional Area
RK - Risk

AIG South Africa

Company Description

SoluGrowth is a leading South African Business Process Solutions company with global reach and expertise across a range of industries. We serve clients globally, providing innovative solutions to enhance business processes and ensure exceptional service delivery.

Role Description:

• Review pending money remittance transactions for possible Sanctions violations
• Related to international C2C cross-border money remittances
• Investigating & validating according to data and rule sets
• Clearly documenting findings & justifications
• Escalating effectively where needed
• Meeting all daily, weekly and monthly agreed client SLAs

Qualifications:

• Any relevant tertiary qualification to the job brief
• 1-2 years relevant corporate experience related to Sanctions Screening
• Experience in a multinational corporate environment
• FinTech Payments Experience: Cross-border money remittances (preferred)

Core Competencies and Attributes:

• Proven ability to work in a fast-paced, high-volume environment
• Extreme attention to detail
• Problem Solving & critical thinking
• Accountability and Dependability
• Time Management, Planning and Organizing
• Ethics and Integrity
• Communication and Teamwork
• Superior stakeholder service

Designation:

Risk Analyst | Waterfall, Midrand, Gauteng | Permanent

Category:

Risk

Job Level:

Skilled technical and academically qualified workers, junior management, supervisors, foremen and superintendents

Posted by:

PSG Financial Services

Posted on:

08 Sep 2025

Reference Number:

POS39303

Closing date:

22-Sep-2025

Position Type:

Permanent

Location:

Waterfall Magwa Crescent

Overview:

VACANCY | RISK ANALYST | WATERFALL, MIDRAND, GAUTENG | PERMANENT

PSGs commitment to transform and embrace diversity is what drives us to achieve a diverse workplace with employment equity as a key goal to create an inclusive workforce. In achieving our employment equity goals, we give preference to applicants from designated groups, and we encourage people with disability to apply.

To do accurate and independent analysis in relation to risk items, including operational incidents, and then present findings to the relevant risk manager. Will also be required to evaluate and then enhance / automate current analysis and reporting for PSG group as a whole and improve our risk management system.

• Plan, execute and manage risk analysis and assessments, both financial and operational, against set parameters
• Collate and draft appropriate risk reports and provide effective feedback
• Ensure operational incidents are appropriately documented and managed
• Assist in maintaining and improving risk dashboard
• Assist in establishing internal protocols and effective risk management communication to improve risk management culture and awareness within business
• Monitor risk tolerance levels and provide solutions for improvements
• Collate and interpret risk assessment results
• Ensure risk or weaknesses identified are escalated
• Building relationships with business

• CA (SA), or
• Bachelor's degree (Mathematics / Applied Mathematics / Statistics/ related qualifications)
• Financial services, Platform, Securities, Investment, IT and Risk experience advantageous
• Programming abilities advantageous
• Specialist knowledge on regulatory matters advantageous
• Risk management qualification and experience advantageous

• Attention to detail
• Strong analytical and numerical skills
• Self-starter and ability to work independently
• Strong written and verbal communication skills
• Problem identification and solution skills
• Integrity is non-negotiable
• Has the ability to assimilate and apply relevant business principles
• General IT knowledge and skills

Candidates interested must apply here by no later than 22 September 2025 OR browse available PSG Careers vacancies

By submitting your application, you are giving PSG Financial Services implicit consent to the storage and processing of your personal information. If you are not contacted within 4 weeks of your application, please accept that your application was not successful. For more information about careers at PSG, visit

*Requisition and Talent Acquisition Consultant Details *
REQ Twanette Coetser

Pipeline Advert

*Location and Cluster *
Total Business Banking and Retail - CDR - Risk Collection

Sandton, Gauteng

Career Stream
Credit Collections

Leadership Pipeline
Manage Self Professional

*Manager Credit Risk Portfolio Management
Job Purpose *
To provide client service by applying sound credit risk management principles with approved credit mandates through management of a designated portfolio of clients across multiple products enabling Nedbank to reduce the cluster impairment charge with the view to rehabilitate the client, in line with the business or individual turnaround strategy.

*Key Deliverables
Credit and Credit Risk
assessment and collections of arrears/excesse *
s of all products namely Current Accounts, Savings Accounts, Home Loan accounts, Commercial & Industrial Property, Personal Loan accounts, Term loans and Asset Based Finance {motor vehicles/yellow} goods.

*Job Responsibilities *

• Approve annual review of facilities by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
• Analyse/Assess individual and juristic financial statements.
• Develop client exit or rehabilitation strategies by conducting inter-alia review of client facilities.
• Ensure policies and processes are followed within mandated signatories including checking and confirming the sign-off.
• Ensure policies and procedures are followed by reviewing recommended submissions from other parties.
• Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections.
• Approve funding by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
• Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS).
• Adapt to changes in Legislation by enforcing the compliance to the changes.
• 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 cross functional teams and direct reports, where applicable
• Recommend enhancement to processes by constantly seeking innovative improvements to the credit systems.
• Motivate staff where applicable 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

Minimum Experience Level

• Minimum 5 years' experience in a Credit role in a Banking environment
• Minimum 5 years' experience Analysing and Assessing individual and juristic financials.

Preferred Qualification

• Successfully compelted NQF Level 6 of Higher in a Finance or Credit-related field

*Technical / Professional Knowledge *

• Business administration and management
• Change management
• Client service management
• Communication Strategies
• Financial Accounting Principles
• Governance, Risk and Controls
• Organisational systems
• Principles of project management
• Strategic planning
• Management information and reporting principles, tools and mechanisms

Please contact the Nedbank Recruiting Team

Brief description

The main purpose of this position is to develop, embed and maintain a project risk management framework, processes and policies within the South African Reserve Bank (SARB) Group.

Detailed description

The successful candidate will be responsible for the following key performance areas:

• Implement project risk management framework, methodology and templates to ensure a standard approach to managing project risks across the SARB Group.
• Perform quality reviews on project risk assessments conducted for projects outside of the executive portfolio (tier 2 projects and below).
• Provide project risk management input into the enterprise-wide project management framework and the project management system(s).
• Facilitate risk assessments for tier 2 projects and ensure that risk response plans are executed.
• Facilitate risk assessments on cross-cutting risks identified across the tier 2 project portfolio.
• Monitor and ensure that risk response plans are executed by the risk owners at the appropriate time.
• Analyse and understand the SARB's environment (internal and external) to support and guide the identification of risks and opportunities to enable decision-making.
• Prepare presentations and reports on portfolio, programme and project risks for the relevant governance forums and committees (both hub and spoke).
• Conduct onboarding and refresher training for the project management community on related risk frameworks.
• Develop project risk awareness campaigns to educate stakeholders and influence behaviour, and drive the importance of effective risk management practices within the project community.
• Identify and coordinate project risk management training needs across the SARB Group and conduct related training.
• Analyse risk data and information on the various project risk registers to identify trends and commonalities and create qualitative risk reporting and derive reliable business intelligence/insights for management to enable decision-making.
• Communicate risk management strategies throughout the organisation as well as the importance of adhering to risk management policies.
• Work closely with project management stakeholders to provide support and information for the various project-related forums, meetings and steering committees.
• Consolidate, maintain and report on the project risk issues, including across the subsidiaries.
• Research and benchmark leading risk management processes and developments and propose improvements accordingly.

Company:

A well-established brand with a global strategy, that prides itself on making people's lives easier through frontier technology that creates enabling opportunities.

Culture:

At FLASH, we realise that "the way we do things around here" drives our business and enables us to achieve our purpose of "Making People's Lives Easier". Our 3 values are the drumbeat of our business:

• We are all in
• We have each other's backs
• We are brave

These values help us to make our People's lives easier by creating a culture where people come to work because it's a place where they can engage in meaningful work, in a supportive environment where they can be the best version of themselves and achieve the remarkable

Job Role:

To support business integrity, assurance, continuity, and operational efficiency, the Business Risk Analyst assists with audit procedures, identifies and mitigates risks across Flash's operations, products, and services, and implements business improvements across the business.

Responsibilities:

• Engage with technology, product, and operations teams to embed risk management in product lifecycle and business change initiatives.
• Identify risks, conduct business assurance testing and design and implement mitigation actions as needed.
• Consult with the business to identify business inefficiencies and implement improvements/new processes through projects.
• Document standard operating procedures (SOPs) and/or processes to drive consistency.
• Facilitate cross-functional meetings and projects.
• Prepare and present reports on projects.
• Assist the Pepkor Internal Audit team and external auditors by ensuring effective communication.
• General administrative tasks regarding audits and tracking of assessments.
• Assist with the risk management and business continuity processes and the implementation thereof.
• Assist in collating data for monthly or quarterly project-, supplier-, risk-, and assurance reporting.

Requirements:

• Bachelor of Accounting, Bachelor of Commerce majoring in Risk Management (or equivalent) qualification.
• CA(SA) (or equivalent) qualification would be advantageous.
• 2 years of experience in audit/assurance testing preferably within Fintech.
• Sound knowledge of audit control procedures and testing.
• Knowledge of business risk identification and management.
• Knowledge of Risk Frameworks.
• Strong understanding of fintech products (e.g., payments, digital wallets, lending, prepaid value, or crypto).
• Familiarity with regulatory requirements (AML, KYC, data protection, financial conduct regulations).

Competencies / Attributes:

• Ability to work cross-functionally and influence stakeholders at all levels.
• Analytical, creative and problem-solving skills to find broad business solutions.
• Attention to detail to draft and review documents and assist with administrative tasks.
• Excellent written and verbal communication skills.
• Ability to work under pressure, and prioritize and complete tasks.
• Ethical Integrity to uphold ethical standards and manage sensitive information.
• Proactive mindset with ability to thrive in a fast-paced, evolving fintech environment.

Thank you for your interest in joining our team. We carefully review all applications, and if your qualifications meet our needs, we will contact you within 14 days. If you do not hear from us within this timeframe, please consider your application unsuccessful. We appreciate your understanding and encourage you to apply for future opportunities that match your skills and experience.