Senior Credit Analyst

Purpose: To analyze the current and forecast financial strength of a portfolio of Business-to-Customer (B2C) and Business-to-Business (B2B) clients, aiming to identify and manage portfolio-related credit risks.

What We Offer:

• Exceptional growth opportunity within an Entrepreneurial Business Unit.
• Join a diverse team of passionate individuals and work with the world’s top brands every day.
• A fun and challenging environment that promises to expand and grow your skill set.

Responsibilities:

• Manage Lending Limits: Oversee and set appropriate lending limits.
• Conduct Credit Reviews and Approvals: Perform regular credit reviews and approve credit applications.
• Manage Customer Database: Maintain the customer database and provide input regarding limits, ratings, and Loss Given Default (LGD).
• Suggest Risk Mitigating Measures: Recommend measures to mitigate risks for consumer finance products in line with the company’s risk philosophy.
• Manage Credit Risk Appetite: Monitor and manage credit risk appetite (limits) by scrutinizing current portfolio exposures.
• Portfolio Review: Ensure the portfolio is up-to-date by reviewing at least once within a 12-month period.
• Identify Risks: Identify transaction-specific risks including credit, taxation, accounting, and legal.
• Document and Report: Document findings and report to the credit committee.
• Act as a Bridge: Serve as a liaison between risk and business units on contentious issues.
• Forecast and Analyze Financials: Forecast and analyze financials, collate and model data as required.
• Participate in Meetings: Engage in meetings with senior stakeholders.
• Project Management: Track progress, manage expectations, and ensure stakeholder requirements are met.

Behavioral Competencies:

• Build and maintain professional relationships with all stakeholders, displaying excellent communication and negotiation skills.
• Preserve relationships despite conflicts and seek mutual gains when addressing issues.
• Anticipate consequences and adapt problem-solving strategies based on continuous feedback.
• Act swiftly to resolve problems, queries, and complaints.

Qualifications & Experience:

• Education: Ideally a Bachelor’s degree in Finance or Economics.
• Experience: Minimum of 3 years’ experience in credit risk analysis in a retail/banking environment, with comprehensive knowledge across the credit lifecycle.
• Leadership: Proven experience of successfully managing a team of credit analysts.
• Skills: Ability to query, interpret, and present complex data clearly to support decision-making processes.
• Detail-Oriented: Strong attention to detail and ability to work independently.

Application Process: To apply, please submit your comprehensive application package including:

• Detailed Curriculum Vitae (CV)
• Cover letter outlining your experience and qualifications

We look forward to receiving your application and discussing the opportunity to contribute to our team.