37 Risk Analysts jobs in Gauteng

Join CareEdge South Africa — Shape Africa's Credit Markets

CareEdge Ratings South Africa is hiring

We're looking for junior-to-mid-level Credit Analysts and Economists (1–4 years' experience)
to join our Johannesburg team. If you're passionate about
credit, economics, and Africa's capital markets
, and want exposure across
banks, corporates, insurers, funds, and municipalities
, this is an exceptional opportunity to grow with a
globally backed, FSCA-licensed credit rating agency
.

About CareEdge South Africa

CareEdge Ratings South Africa is a licensed credit rating agency regulated by the Financial Sector Conduct Authority (FSCA)
. Based in
Sandton, Johannesburg
, we are a subsidiary of
CareEdge Ratings Africa
and part of the broader
CareEdge Group
— one of the
top ten global credit rating agencies
by coverage.

We provide
independent and transparent ratings
across corporate, financial institution, structured finance, green bond, and public sector issuers. With deep emerging-market expertise and a commitment to analytical rigour, we help issuers enhance access to capital markets and investors make better-informed credit decisions.

Roles Available

Credit Analyst

• Apply established credit models and interpret analytical outputs
• Draft clear and concise
  rating rationales
  and support rating committees
• Analyse financials for
  corporates, banks, insurers, funds, and municipalities
• Participate in rating surveillance and contribute to sectoral insights

Economist

• Track macroeconomic and sector developments across
  South Africa and Africa
• Provide concise country-risk and policy insights
• Link economic indicators and policy shifts to credit outcomes
• Support research publications and sector outlook reports

You Bring

• 1–4 years' experience in
  credit analysis, banking, consulting, or research
• Strong analytical, quantitative, and writing skills
• Degree in Finance, Economics, Accounting, or a related field
• Postgraduate qualifications or designations (CFA, CA, FRM
  ) are advantageous
• High attention to detail and ability to work under tight deadlines

Why Join CareEdge

• Exposure across multiple sectors and rating types
• Mentorship from seasoned analysts across Africa and India
• Growing, globally connected organisation
• Collaborative environment that values analytical excellence and integrity

Location:
Sandton, Johannesburg (on-site, full-time)

Application:
Email your CV to

Subject:
Application — (Credit Analyst OR Economist) — Your Name

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

Drive responsible credit decisions, manage client risk, and deliver data-driven insights in a dynamic client environment. We're looking for a strategic thinker with strong credit expertise, governance focus, and a passion for customer excellence in the Wealth and Family Office space.

Job Description

Are you passionate about responsible credit decisioning and strategic risk management? Join our dynamic Wealth Credit Origination team and play a pivotal role in shaping the future of credit excellence.

Key Responsibilities

Risk Management

• Lead high-quality credit risk assessments and reviews.
• Proactively manage credit exposures across a diverse client base.
• Develop data-driven strategies to mitigate risk and support business growth.
• Facilitate the credit sanctioning process to ensure sound, responsible decisions.

Data & Systems Management

• Produce and analyze management information (MI) to drive insights and performance.
• Leverage data to support strategic planning and operational efficiency.

Governance & Compliance

• Ensure full compliance with the bank's credit philosophy, policies, and regulatory requirements.
• Champion governance standards across all credit origination activities.

Customer Management

• Foster strong client relationships through effective communication and issue resolution.

What We're Looking For

• Proven experience in credit risk management, preferably in Wealth and Family Office banking.
• Strong analytical and decision-making skills.
• Excellent stakeholder engagement and communication abilities.
• A passion for data, governance, and customer-centric service.

Why Join Us?

• Be part of a forward-thinking team driving innovation in credit origination.
• Work in a collaborative environment that values integrity, excellence, and growth.
• Enjoy flexible working arrangements and opportunities for career development.

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

A well-established business is seeking to appoint a Credit Analyst: Head Office

Carry out quality credit assessment, present bankable solutions and manage the credit risk of a portfolio of clients in the Agri business value chain in the designated regional Office

Minimum Education and Experience:

• 3-year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management
• 3 years Relevant credit assessment experience

Thorough knowledge of the:

• NCA, CPA, FICA and related credit regulatory requirements
• The primary and secondary agriculture sector finance.
• Appraisal of credit proposals and deal structure for: assets finance, working capital, back ward and forward integration finance
• Advanced business acumen

Critical Competencies

• Microsoft Office
• Knowledge of risk management principles
• Knowledge / Experience of compliance systems / tools
• Compliance Management Principles
• Knowledge of Compliance related legislation
• Knowledge of Business
• Law Principles

Please note that if you have not received a response within 14 days of submitting your application that your application was unsuccessful.

However, please keep a lookout on our website, for available positions which may be inline with your career aspirations.

For more information please contact:

Mandy Scullard

(Land Bank) is South Africa's only specialist agricultural bank established in 1912, the bank's sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to agri-business and constantly reviews its offerings to ensure that they match the needs of an industry. As change has swept across the sector in South Africa the socio-economic makeup of agriculture has altered, bringing new entrants from historically disadvantaged backgrounds on to the land, these new farmers, facing the challenges of establishing sustainable agri-businesses across the agricultural value chain, Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.

MAIN PURPOSE
OF THE JOB
Carry out quality credit assessment, present bankable solutions and manage the credit risk of a portfolio of clients in the Agri-business value chain in the designated regional Office. To manage and perform quality credit analysis; financial analysis, including data collection, trend analysis, peer comparisons and industry overview to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio i.e. Commercial and Transformation Credit applications and mitigate any potential risk on behalf of the Land Bank and recommend bankable solutions in accordance with approved Credit Policy, norms and the delegated level of power. Responsible for maintain the portfolio including conducting annual credit reviews on existing portfolio, and re-advancing of production loans and revolving loans within assigned DOP and as when required by management.

(Land Bank) is South Africa's only specialist agricultural bank established in 1912, the bank's sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to agri-business and constantly reviews its offerings to ensure that they match the needs of an industry. As change has swept across the sector in South Africa the socio-economic makeup of agriculture has altered, bringing new entrants from historically disadvantaged backgrounds on to the land, these new farmers, facing the challenges of establishing sustainable agri-businesses across the agricultural value chain, Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.

MAIN PURPOSE OF THE JOB

Carry out quality credit assessment, present bankable solutions and manage the credit risk of a portfolio of clients in the Agri-business value chain in the designated regional Office. To manage and perform quality credit analysis; financial analysis, including data collection, trend analysis, peer comparisons and industry overview to ensure good quality credit submissions to Credit Managers and Credit Committees for the allocated portfolio i.e. Commercial and Transformation Credit applications and mitigate any potential risk on behalf of the Land Bank and recommend bankable solutions in accordance with approved Credit Policy, norms and the delegated level of power. Responsible for maintain the portfolio including conducting annual credit reviews on existing portfolio, and re-advancing of production loans and revolving loans within assigned DOP and as when required by management.

1. Credit Assessment and Risk Management

• Analyse all the presented information and complete a sensitivity analysis in order to mitigate risks associated with the client portfolio
• Risk model validations, to ensure that data captured by AES & Business Analyst are accurate.
• Capture data on the back office pricing model and scoring the credit application for pricing purposes
• Conduct customer visits as required by CDB from time to time or as required by front line
• Prepare proposal for recommendation to CAC and CCC (for approval/decline) and consideration by the relevant Credit Committee in accordance to Bank's Credit policy and agreed processes and procedures
• Presenting credit submission to the GM and committee as and when required
• Update Credit Manager & GM Commercial Credit with the weekly work in progress report to improve turnaround time
• Check the correctness of documents uploaded by Credit Administrator for committee meetings
• Assisting the Credit Manager Commercial Credit with management of Portfolio Region(s) and constantly keeping Portfolio Manager(s) and General Manager(s) at the Branch up to date with credit applications
• Advisory services to front line and providing training as necessary
• Assisting in improving the growth and decreasing the Non-Performing Loans by producing good quality loan assessments.
• Check the accuracy of the credit submission submitted by the Business Analyst
• Escalate any risk pertaining to credit applications to management

2. Stakeholder Relationship Management and Team Support

• Build relationships with all the relevant stakeholders to ensure understanding of requirements and addressing any credit related issues
• Respond to queries received from the Branch operations and the relevant Credit Committee
• Promote a culture of credit risk management at branch level.
• Provide guidance and training to operations on credit related matters
• Adhering to legislative requirements
• Pro-actively develop self with regards to other / new products in the Land Bank
• Manage own career and personal developments
• Demonstrate behaviour that is aligned to the Land Bank values

3. General Administration and Audit Matters

• Ensure that documentation is archived in accordance to the Bank's policy for record and audit purposes
• Attend to audit findings as and when required within area of responsibility
• Take remedial action on all audit findings and ensure that issues are resolved or addressed
• Ensure recording of all credit committee meetings are loaded on the v-drive
• Ensure feedback is given to all the relevant stakeholders on outcome of the application

4. Loan Policies and Procedures

• Provide input to policies and procedures and updates and identify opportunities to improve as and when required
• Provide inputs on lending norms and credit criteria to be applied on new products
• Participate in the review of Credit Policies and procedures.
• Ensure that the branches are informed of changes to policies and/or of credit policies and procedures that have been approved
• Provide guidance to the operations at branch level to ensure consistency and a standardised approach

• 3 year Tertiary Qualification (Commerce) Majors Accounting; Agri Economics, Credit Management

3 years Relevant credit assessment experience

Thorough knowledge of the

• NCA, CPA, FICA and related credit regulatory requirements
• The primary and secondary agriculture sector finance.
• Appraisal of credit proposals and deal structure for: assets finance, working capital, back ward and forward integration finance
• Advanced business acumen

• Microsoft Office
• Knowledge of risk management principles
• Knowledge / Experience of compliance systems / tools
• Compliance Management Principles
• Knowledge of Compliance related legislation
• Knowledge of Business
• Law Principles

• Travel is an integral part of the role
• Extended hours as and when required