Company Overview

The organisation provides technology-enabled financial services supported by data-driven decision-making and structured risk management. Its credit function focuses on assessing borrower risk, monitoring portfolio quality, and supporting responsible lending decisions through reliable analysis and reporting.

Role Summary

The Credit Risk Analyst will evaluate credit performance, identify emerging portfolio risks, and produce insights that support lending decisions and credit policy improvements. Working with risk, finance, data, and product teams, the successful candidate will help maintain appropriate lending standards while supporting sustainable portfolio growth.

Key Responsibilities

• Analyse borrower, application, repayment, and portfolio performance data.
• Monitor indicators such as delinquency rates, defaults, arrears, and credit losses.
• Prepare recurring credit risk reports, dashboards, and management summaries.
• Evaluate lending policies and assess the performance of credit decision rules.
• Identify changes in borrower behaviour and emerging patterns of credit deterioration.
• Support credit scorecard monitoring, risk segmentation, and portfolio stress analysis.
• Collaborate with data teams to validate datasets and improve analytical processes.
• Contribute to risk reviews, policy updates, and documentation of analytical findings.
• Support compliance with applicable lending regulations and internal risk governance standards.

Requirements and Qualifications

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Analytics, or a related discipline.
• Relevant experience in credit risk analysis, portfolio analytics, financial risk, or lending operations.
• Strong analytical skills and proficiency in SQL and spreadsheet-based analysis.
• Experience with Python, R, Power BI, Tableau, or comparable analytical tools is an advantage.
• Understanding of credit risk metrics, loan performance, delinquency measurement, and loss analysis.
• Ability to interpret complex datasets and communicate findings clearly.
• High attention to detail and a disciplined approach to data quality.
• Professional proficiency in English.

Benefits

• Fully remote work arrangement.
• Opportunity to contribute to evidence-based lending and risk decisions.
• Access to collaborative work with credit, finance, and data professionals.
• Professional learning and technical development opportunities.
• Flexible working practices and opportunities to strengthen financial risk expertise.

Application Instructions

Applicants should submit an updated CV detailing relevant credit risk, financial analysis, and data skills. Include a short cover letter describing your experience with credit performance reporting, portfolio monitoring, or risk analysis. Relevant project examples and professional certifications may also be included.

Are you interested in this position?

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