156 Risk Analysts jobs in South Africa
Credit Analyst
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Job Description
About Discovery
Discovery's core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.
About Discovery Bank
Discovery Bank is a bank like no other – a shared-value bank, designed with our clients in mind. We're all about sharing the value that clients create when they manage their money well, back with them through exceptional interest rates and rewards. Our Vitality Money programme measures how well clients manage their finances, informs them of what it means to be financially healthy, and empowers them with the knowledge to get enhanced rewards for managing their money well. If you're adaptable, a problem-solver, always questioning the way things are done, passionate about doing what is right, and obsessed with providing a quality service experience, we have a job for you where you can be your best in an environment that's safe and nurturing.
Job Purpose
The Credit Risk Collections team is responsible for the development and implementation of Collections Strategies, tracking and optimizing the strategies to make sure that they are relevant and effective. The aim is to minimize credit losses by guiding the Collections activities in the Operations space through data and insights to make sure that the right treatment is given to the right customer, in turn making sure that the resources are optimally used.
Areas of responsibility may include but are not limited to
Collections Strategies Optimisation
- Validation of existing and newly rolled out strategies to make sure that the system is executing the strategies as intended.
- Propose New Strategies based on review of existing strategies through in-depth analytics to identify opportunities.
- To make sure that Operations is focusing on the correct delinquent accounts.
- Create and maintain forecast models for future bad rates.
- Building of propensity models that will predict future outcomes.
Operations Optimisation
- Develop MI that enables an optimal measure of the Operations areas (including external vendors) by using scientific measures that drive high Collections yields.
- Setting of targets and KPI's in line with Impairment budgets.
- Use data-orientated approach to assist Operations with capacity planning
MI and Reporting
- Prepare monthly performance review deck for senior management
- Provide in-depth analysis focused on unpacking any concerning trends observed and recommendations on the possible solutions
- Preparing of Regulatory Reports
Stakeholder Engagements
- Engage with IT on issues relating to system incidents, implementation of new strategies etc.
- Engage with Operations and EDC's on Performance and guidance around where focus is required and capacity planning, and implementation of changes where required
Personal Attributes And Skills
- Resourceful and tenacious
- Self-motivated
- Focused on driving results
- Detail-oriented
- Organised and process oriented; ability to multi-task and manage time effectively
- Ability to convey complex data in a concise understandable manner and distil the key messages
- Strong problem-solving skills
- Ability to work effectively across varying levels of Management and multi-disciplinary teams
- Good and clear written style.
- Strong verbal and written reporting skills.
- Quantitative/qualitative analytical skills
Education And Experience
- Relevant Bachelor's Degree (BSc, BCom, B Bus Sci, B Eng.)
- Minimum 2 years' analytical experience on a consumer portfolio (credit cards, loans), preferably within a Credit Risk Space
- Programming capabilities in SAS / R / Python / VBA
- Experience in data manipulation and application of statistical tool like SAS and SQL.
- Retail banking experience is preferred
- Skilled in Microsoft products, particularly PowerPoint, Word, Excel and Access
EMPLOYMENT EQUITY
The Company's approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.
Credit Analyst
Posted today
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Requisition and Specialist Recruiter Details
REQ Twanette Coetser
Closing Date - 11 September 2025
Location and Cluster
Total Business Banking and Retail - Commercial Underwriting Gauteng
Cape Town, Western Cape
Career Stream
Credit Management
Leadership Pipeline
Manage Self: Professional
Credit Analyst
Job Purpose
To manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value based management and continued implementation of the Internal Ratings Based Approach within investment banking.
Job Responsibilities
Credit Policy Management:
Align with the bank's credit policy and identify cross-sell opportunities.
- Prepare and recommend credit applications within set parameters.
- Assess credit risk by examining savings, debt repayment history, earnings, and purchase activities.
- Recommend credit terms, such as issuing or rejecting credit cards, or adjusting limits.
- Review financial status of customers to determine risk levels.
- Use financial ratios and industry benchmarks to evaluate cash flow and loan repayment ability.
- Recommend credit limits based on lending policies.
- Monitor reports to identify risks and ensure compliance.
- Measure compliance, identify risks, and make recommendations.
- Obtain latest financial information, measure compliance, and report breaches.
- Verify information to sign off conditions of approval within required timeframes.
- Ensure security by gathering required information.
- Meet Nedbank Group Rating requirements by reviewing accounts and identifying risks.
- Identify clients exceeding credit limits through daily excess reports.
- Risk-rate clients and assess financial positions using risk systems.
Client Service Management:
- Meet service level agreements by understanding client needs, providing guidance, and responding promptly.
- Enhance client satisfaction by sharing knowledge and developing the skills of the client service team and stakeholders.
- Build strong relationships with internal stakeholders by attending meetings and supporting their strategies.
- Build and maintain strong relationships with external clients by understanding their business and industry.
- Involve other bank divisions by seeking their input on deals requiring their expertise.
- Provide accurate information to stakeholders by maintaining and sharing knowledge with the team.
Performance and Compliance:
- Achieve targets by using management information systems to measure performance.
- Understand client needs and provide timely guidance and recommendations to meet service level agreement standards.
- Share knowledge with client service team members and stakeholders.
- Develop team skills to enhance external client satisfaction.
- Use the Management Information System (MIS) to identify required annual and interim facility reviews.
- Meet turnaround times by assessing applications efficiently within the agreed Service Level Agreement (SLA).
Personal and Team Development:
- Stay updated on legislation and industry changes through newsletters, websites, and sessions.
- Embrace Nedbank's vision and demonstrate its values in interactions with the team and stakeholders.
- Improve personal capability by identifying training courses and career progression opportunities through manager feedback.
- Ensure personal growth and effectiveness by completing learning activities, practicing experience, and maintaining certifications within specified timeframes.
- Foster teamwork by understanding team members' roles and responsibilities.
- Ensure smooth workflow through regular communication and feedback with the manager.
Process Improvement and Corporate Responsibility:
- Identify and recommend opportunities to enhance processes, systems, and policies, and support new implementations.
- Contribute to a culture that achieves transformation goals by participating in Nedbank culture-building initiatives.
- Support corporate social responsibility initiatives to achieve key business strategies.
Requirements
- Min 3 Years' Credit Analysis experience in assessing creditworthiness of current and prospective clients.
- Min 3 Years' Business Banking experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honor debt obligations.
- NQF Level 6 or Higher in a Financial Management, Accounting or Analysis-related field
Technical / Professional Knowledge
- Banking knowledge
- Communication Strategies
- Data analysis
- Governance, Risk and Controls
- Industry trends
- Principles of financial management
- Relevant regulatory knowledge
- Relevant software and systems knowledge
- Research methodology
- Business Acumen
Behavioural Competencies
- Coaching
- Communication
- Continuous Learning
- Collaborating
- Work Standards
- Technical/Professional Knowledge and Skills
-
Please contact the Nedbank Recruiting Team
Credit Analyst
Posted today
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Job Description
Analyses credit data to estimate degree of risk in extending credit or lending money
Consults with management to assist in corporate planning
Job Description
Are you someone who can:
- Credit assessments of salaried home loans applications.
- Adhere to negotiated service levels and turnaround times in support of business strategy.
- Ability to effectively prioritise and organise workflow.
- Customer and results driven.
- Make informed credit decisions.
- Assist internal sales partners with credit decisions and application of the credit policy.
- Build and maintain relationships with internal business partners.
- Responsible for making credit decisions.
- Keep abreast with what's happening within the market place and more specifically with regards to process and credit policy.
- To facilitate and monitor adherence to service guarantee times.
- Resolve any credit issues and process problems/challenges with Payouts and other internal business partners.
- Escalate to manager any credit issues with products/processes/ standards.
- Optimises work through the application of learning experiences
- Engages in activities for own development
- Ensures customer service solutions are aligned to the operational business plan
- Develops and leverages cooperative credit risk stakeholder relationships and networks
- Contributes to cost efficiencies
- Contributes to teamwork
- Ensures operational excellence through the delivery of work processes according to defined quality standards
- Liaises with internal and external stakeholders and support functions
- Analyses the integrity of credit applications
Qualifications and Experience
- 3-4 Years' Credit assessment and credit Analysis Experience
- BCom Accounting or Similar
- Financial Services industry experience (Advantageous)
Job Details
Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.
23/10/25
All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.
Credit Analyst
Posted today
Job Viewed
Job Description
Requisition and Specialist Recruiter Details
REQ
TA Specialist - Twanette Coetser
Closing Date - 16 September 2025
Location and Cluster
Total Business Banking and Retail - Commercial Underwriting - Port Elizabeth, Eastern Cape
Career Stream
Credit Management
Leadership Pipeline
Manage Self: Professional
Credit Analyst
Job Purpose
To manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value based management and continued implementation of the Internal Ratings Based Approach within investment banking.
Job Responsibilities
Credit Policy Management:
- Align with the bank's credit policy and identify cross-sell opportunities.
- Prepare and recommend credit applications within set parameters.
- Assess credit risk by examining savings, debt repayment history, earnings, and purchase activities.
- Recommend credit terms, such as issuing or rejecting credit cards, or adjusting limits.
- Review financial status of customers to determine risk levels.
- Use financial ratios and industry benchmarks to evaluate cash flow and loan repayment ability.
- Recommend credit limits based on lending policies.
- Monitor reports to identify risks and ensure compliance.
- Measure compliance, identify risks, and make recommendations.
- Obtain latest financial information, measure compliance, and report breaches.
- Verify information to sign off conditions of approval within required timeframes.
- Ensure security by gathering required information.
- Meet Nedbank Group Rating requirements by reviewing accounts and identifying risks.
- Identify clients exceeding credit limits through daily excess reports.
- Risk-rate clients and assess financial positions using risk system
- Client Service Management
- Meet service level agreements by understanding client needs, providing guidance, and responding promptly.
- Enhance client satisfaction by sharing knowledge and developing the skills of the client service team and stakeholders.
- Build strong relationships with internal stakeholders by attending meetings and supporting their strategies.
- Build and maintain strong relationships with external clients by understanding their business and industry.
- Involve other bank divisions by seeking their input on deals requiring their expertise.
- Provide accurate information to stakeholders by maintaining and sharing knowledge with the team.
- Performance and Compliance
- Achieve targets by using management information systems to measure performance.
- Understand client needs and provide timely guidance and recommendations to meet service level agreement standards.
- Share knowledge with client service team members and stakeholders.
- Develop team skills to enhance external client satisfaction.
- Use the Management Information System (MIS) to identify required annual and interim facility reviews.
- Meet turnaround times by assessing applications efficiently within the agreed Service Level Agreement (SLPersonal and Team Development:
- Stay updated on legislation and industry changes through newsletters, websites, and sessions.
- Embrace Nedbank's vision and demonstrate its values in interactions with the team and stakeholders.
- Improve personal capability by identifying training courses and career progression opportunities through manager feedback.
- Ensure personal growth and effectiveness by completing learning activities, practicing experience, and maintaining certifications within specified timeframes.
- Foster teamwork by understanding team members' roles and responsibilities.
- Ensure smooth workflow through regular communication and feedback with the manager
- Process Improvement and Corporate Responsibility:
- Identify and recommend opportunities to enhance processes, systems, and policies, and support new implementations.
- Contribute to a culture that achieves transformation goals by participating in Nedbank culture-building initiatives.
- Support corporate social responsibility initiatives to achieve key business strategies
Requirements
- Min 3 Years' Credit Analysis experience in assessing creditworthiness of current and prospective clients.
- Min 3 Years' Business Banking experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honor debt obligations.
- NQF Level 6 or Higher in a Financial Management, Accounting or Analysis-related field
Technical / Professional Knowledge
- Banking knowledge
- Communication Strategies
- Data analysis
- Governance, Risk and Controls
- Industry trends
- Principles of financial management
- Relevant regulatory knowledge
- Relevant software and systems knowledge
- Research methodology
- Business Acumen
Behavioural Competencies
- Coaching
- Communication
- Continuous Learning
- Collaborating
- Work Standards
- Technical/Professional Knowledge and Skills
-
Please contact the Nedbank Recruiting Team
Credit Analyst
Posted today
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Job Description
Job Description: Credit Risk Analyst - 3 months contract
Stellenbosch, Western Cape
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).Skills & Competencies
- 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
.
Credit Analyst
Posted today
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Job Description
Credit Analyst Bellville Cape Town
Our Home Loans client seeks a Credit Analyst with Home Loans experience.
Salary:
Market-related
Minimum Requirements:
Matric with relevant qualification
2+ years Credit Analyst experience
Home Loan / Mortgage / Loans experience a must
Credit environment experience
Intermediate/Advance Excel experience
Key duties:
Receive credit applications
Perform creditworthiness and affordability procedures.
General application processing
Database management
Handle telephonic and e-mail queries regarding offerings, application status, quotations issued or any other questions regarding the products.
Loan book management – restructuring, collections management.
Reporting
Please apply online
FROGG Recruitment
Credit Analyst
Posted today
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Job Description
Closing Date
2025/10/31
Reference Number
COR
Job Title
Credit Analyst
Job Type Classification
Permanent
Location - Country
South Africa
Location - Province
Western Cape
Location - Town / City
Claremont, Cape Town
Job Description
Coronation is searching for a Credit Analyst to support the credit function process for fixed income products and analysis of credit as an asset class, while also contributing to Fixed Income research and the management of Fixed Income portfolios.
Duties and Responsibilities
Liaise with arrangers, issuers and ratings agencies on upcoming and existing bond issuances.
Investigate new entrants to the bond market and conduct research on similar organisations globally if necessary.
Investigate creditworthiness of banks and other lenders, corporate and government-related issuers.
Analysing financial statements to assess the creditworthiness of the entity
Advise on appropriate through-the-cycle pricing for new and currently held instruments on a total return basis.
Analysing legal documentation relating to bond issues and if required, following up with internal legal counsel.
Reporting to internal credit committee on credit exposures and developments.
Assisting other members of the credit team with operational tasks and analysis.
Contribute to investment decisions made by the team
Analyse and understand economic cycles and interpret economic variables.
Valuation and dealing in fixed income assets.
Perform quantitative analysis on various assets and markets.
Analyse yield curves and calculate break-even levels.
Ideal Experience
Credit analysis
Strong accounting experience – articles
Experience in presenting themselves articulately
Experience within the debt investing environment
Exposure to financial markets
Experience requiring a strong attention to detail
Investigative work experience
Ideal Qualifications
Chartered Accountant
BCom Accounts
Business Science – finance, economics, actuarial, quantitative management
Chartered Financial Analyst
Most Important Attribute
Smart, insightful, passionate about markets, self-starter.
Must be willing to travel around the country to meet with issuers if necessary.
Systems Knowledge
- Excel, Bloomberg
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Credit Analyst
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Job Description
Hello future
Credit Analyst
Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional space in South Africa as well as our Global business, we pride ourselves on offering solutions to address clients' holistic balance sheet needs, and to support business strategies in the reallocation of investment capital in the face of increasing regulatory pressures. We see institutions as but not limited to, pension funds, long and short-term insurers, re-insurers, as well as medical aid schemes.
The Credit Research function oversees the credit exposures within the Ashburton Investments portfolios/mandates. This includes but is not limited to credit co-investment funds as well as full discretionary mandates for both local and offshore in both the listed and unlisted space.
The Credit Analyst will work closely with the Risk function in Ashburton to ensure all breaches per credit limits are reported timeously, and specific action is taken to address the breaches.
Are You Someone Who Can
Credit Research
- Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.
- Presentation, support, and enablement of team members at relevant governance forums.
- Responsible for assessment of new transactions where Credit risk is undertaken.
- Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing.
- Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.
- Review of exposure limits, ratings and systems for Credit exposures.
- Ensure team compliance with the bank's credit risk framework, lgd models and prudential limit guidelines.
- Work closely with the management and reporting of breaches in terms of concentrations and risk limits.
- Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.
- Make recommendations to optimise credit processes and "ways of working"
- Ad hoc requests related to credit research function.
Client Engagement
- Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios.
- Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.
- Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures.
- Work in collaboration with the Portfolio Managers, to ensure alignment in thinking about credit exposures.
Asset Class Knowledge
- Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist.
- Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.
- Propose strategies for managing identified risks in credit.
Analysis
- Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors.
- Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk.
- Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations.
- Proactively manage credit risk metrics that are identified via risk dashboards and reporting.
- Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.
You Will Be An Ideal Candidate If You
- Have completed CA(SA), CFA considered favourable.
- Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk.
- Have exposure to credit risk modelling.
- Have knowledge of factors affecting national and global companies and their impact on investors.
- Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements.
- Have a thorough understanding of the investment process and the risks therein.
You Will Have Access To
- Opportunities to network and collaborate
- Challenging Working
- Opportunities to innovate
We Can Be a Match If You Have
- Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to.
- Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it.
- Have strong people skills needed to build trust and confidence within the Ashburton business.
- Have good communication and presentation skills.
Are you interested to take the step? We look forward to engaging with you further. Apply now
AshburtonPost
*Job Details
Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below. *
10/10/25
All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.
Credit Analyst
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Company Description
Since 2011, Redtree Capital has been unlocking growth for partners by providing alternative financing solutions tailored to their needs. Unlike traditional banks, Redtree Capital takes a holistic view, recognizing potential and responsibly backing businesses. Our fintech-driven approach and unique Credit IP have helped over 4,000 businesses access more than R1 billion in funding. Our dedicated credit and customer experience teams ensure a seamless and flexible experience, fostering mutual growth.
Role Description
The successful candidate will be responsible for preparing, organising and loading credit applications for submission to the credit team. An upfront screening and credit vetting process will be part of the roles responsibilities to provide a wider scope of learning and involvement within the business, with a clear path to progress into a role solely focused on preparing credit papers for the credit committee. Interaction with Redtree Capital's large partner network will be required from the get-go, ranging from distributing finance approvals to communicating requests from the credit team. The ideal candidate must be detail orientated and approach work in a methodical manor.
Responsibilities
1 - Application Processing
- Receive and capture new credit applications into the CRM system in a timeous manor with extreme detail and accuracy.
- Verify completeness of application forms and supporting documents.
- Ensure the application meets a basic scorecard from a value, asset and related documents point of view.
2 - Credit Vetting & Analysis
- Conduct credit bureau checks.
- Verify legitimacy of applications, equipment values and trustworthiness of source/supplier.
- Perform basic bank statement and financial statement checks.
- Make quick and informed upfront credit decisions based on information received.
3 - Communication & Coordination
- Liaise with sales, brokers, suppliers and clients ensuring parties are informed as quickly as possible on any outstanding feedback or progress on applications.
- Coordinate with the credit team ensuring turnaround times are adhered to.
- Distribute finance approvals, declines and requests for additional information.
Requirements
- Bachelor of Commerce (BComm) degree in finance, investments or a related field.
- 1 year work experience in a similar industry.
- Ability to work accurately under pressure.
- Ability to manage multiple projects simultaneously and meet deadlines.
- Excellent communication and interpersonal skills.
- Attention to detail and an analytical mindset.
- Vibrant and enthusiastic personality that brings energy and excitement to the workplace.
If you meet the above requirements and think this role is suited to you, we encourage you to apply for this position by emailing your CV to If you have not received a response from us within one week, please consider your application unsuccessful.
Credit Analyst
Posted today
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Job Description
Purpose of role:
The candidate will be part of the Credit team responsible for the Prescient Credit funds. To utilise PIM credit philosophy process by employing quantitative analysis in asset selection, pricing and managing of credit portfolio.
The person will be responsible for credit research & credit portfolio risk analysis. An exciting position which will require you keep abreast of the latest developments and trends in the market and work toward driving efficiencies within the team and research processes.
The role includes extending and enhancing the functionality of PRIME, the Portfolio Research and Investment Management Engine.
Solid experience managing and analysing large amounts of data is a must. The person will need to follow a collaborative team approach that adheres to the Prescient value framework.
Duties and responsibilities:
Key Objective
The key objective is the development of analytics tools and strategies, as well as the improvement and extension of PRIME for the Credit Funds.
Quantitative Analysis:
- Assist in defining the PRIME framework and incorporate current analytics tools and reporting.
- Develop processes and analytics tools to monitor model and portfolio performance and accuracy.
- Research and develop models and techniques.
- Document research, processes, and model validation.
Credit Research and Analysis:
- Apply established models to compute default probability scores. An analyst would be required to make an analytical argument on the change thereto over time, highlight downside risks for the foreseeable future, and rank & compare to industry peers.
Use PIM sector-specific financial scorecards to analyse the creditworthiness of companies and their sub-factor drivers of the credit score, incorporating ESG analysis.
Perform in-depth analysis and research to assess and monitor the creditworthiness of borrowers/issuers over the term of the exposure.
- Understand market dynamics (e.g., credit supply/demand) and company fundamentals influencing PIM's credit investments.
Credit Management:
- Monitor the risk-adjusted return of the credit universe, build and oversee portfolio optimization models, and make recommendations to enhance credit portfolio performance.
- Engage in counterparty interactions as part of the role.
- Assess credit opportunities, including exposure to assets in Infrastructure Funds (monitoring and new opportunities).
Investment Analysis:
- Originate debt investments via new and existing borrowers, liaising with bond issuers, DCM teams, arrangers, and rating agencies.
- Provide input into the development of broader responsible investment policies, ESG methodologies, and impact strategies.
Credit Process Development and Advancement:
- Validate investment models and monitor portfolio performance and accuracy.
- Contribute to research and development of new models and techniques.
- Document research, processes, and model validation.
- Ensure the accuracy and currency of information used in the process.
Team Interaction:
The key objective is to work on a collaborative basis, ensuring that the team remains cohesive and successful. The analyst is expected to:
- Follow a collaborative approach aligned with the Prescient value system.
- Be proactive in generating new research and participating in debates.
- Suggest and implement process enhancements to improve/create efficiencies.
- Contribute positively and adopt a solutions-driven mindset.
Required experience:
- University Post Graduate Degree (Science / Engineering / Finance) / Masters.
- CA (SA) with articles will be advantageous (Financial Services / Financial Engineering Group experience).
- CFA / Studying towards CFA; and/or Masters equivalent.
- Advanced Excel skills and model building.
- Prior experience in Private Debt, Hybrid Debt, Project Finance will be advantageous.
Required Qualifications:
- University Post Graduate Degree (Science / Engineering / Finance) / Masters.
- CA (SA) with articles will be advantageous (Financial Services / Financial Engineering Group experience).
- CFA / Studying towards CFA; and/or Masters equivalent.
- Advanced Excel skills and model building.
- Prior experience in Private Debt, Hybrid Debt, Project Finance will be advantageous.
Key competencies:
- Ability to generate ideas and think logically.
- Structured work style, attention to detail and accuracy is of the utmost importance.
- Aptitude in decision-making and problem-solving.
- Excellent interpersonal skills, excellent communication skills oral and written.
- Strong ability to manage complex processes and focus on business outcomes in a complex uncertain environment.
- Strong work ethic, self-motivated, driven and results oriented.
- Ability to listen and respond to new ideas, input and diverse perspectives.
- High levels of self-confidence, assertive as well as healthy levels of EQ.
- Must be able to manage workflow on longer-term research projects.
- Energetic problem-solver.
- Ability to demonstrate an advanced degree of technological competence.
- Passionate about investments.
Why this role:
This is your opportunity to be responsible for credit research & credit portfolio risk analysis. The role is well suited for an individual with strong technical skills, a qualified CA(SA) and/or currently completing CFA studies (or masters equivalent).
A great role with excellent growth potential and exposure to various asset classes.