RISK ANALYST

(Fixed Term Contract)

SECTOR:  Finance/Banking

GENERAL DESCRIPTION

The Risk Analyst is responsible for monitoring and implementation of new processes and procedures associated with manual/automatic credit analysis.

EDUCATION, EXPERIENCE & KNOWLEDGE

• Bachelor’s degree in Accounting, Economics, Business Administration, or related discipline.
• At least four (4) years work experience in banking risk management, securities, and capital markets. 
• Prior experience with management of policies, tools or procedures preferably credit cards (payment capacity, credit history, review and analysis of financial statements, among others).
• Prior experience/knowledge of credit analysis, management of policies, tools or procedures, with respect to credit cards (payment capacity, credit history, review and analysis of financial statements, etc).
• Prior experience of Process Management (PM) orientation.
• Advanced Microsoft Excel and Office skills

REQUIRED SKILLS/KNOWLEDGE

• Knowledge of credit policies
• Knowledge of risk policy compliance.
• Credit risk management.
• Credit process.
• Credit analysis for consumer clients (small and medium-sized SMEs (desirable)

CHARACTERISTICS

• Dynamic personality, motivated and proactive
• Demonstrate sound communication skills (oral and written)
• Organised

DUTIES & RESPONSIBILITIES

• Monitoring and implementing new processes and procedures associated with manual/automated credit analysis. (Support in some Project Management Methodology required)
• Frequent communication and monitoring of leading indicators, updates, and adjustments.
• Ability to coordinate and interact as interdisciplinary with Business, Technology, Credit Risk, and Fraud teams, as well as external suppliers.
• Apply credit policy, regulations, current guidelines, and all related laws related to consumer credit operations.
• Analyse applications/products of liabilities and assets, determine their historical behaviour, and be able to conclude credit granting based on account flows, credit nature, and other factors.
• Analyse basic financial ratios of indebtedness, risk, and liquidity for consumer customer analysis, determine the current position of prospects/customers, and recommend credit granting.
• Verify pre-qualified credit opportunities against the systems defined and authorized by the organization, in order to ensure proper approval of loans to be disbursed. SME clients.
• Analyse credit card opportunities against the systems defined and authorized by the organization.
• Analyse, interpret, and advise on strategic and financial information, both public and restricted, that allows for the preparation of reports with professional judgment so that management can make optimal decisions.
• Execute analyses and studies commissioned by senior management and the various regulatory bodies with direct responsibility for the conclusions and recommendations generated.
• Conduct ongoing research to identify, build, and maintain statistical databases and studies that provide a scientific basis for advice to senior management and various departments.
• Prepare, review, analyse, and validate models that allow for the identification of risk management.
• Monitor the control and oversight of the measures adapted for the operation of the risk assessment system, ensuring an adequate risk culture.

Please submit your application along with your salary expectations and availability.

Closing date for applications:  21 July 2025

Only suitable applicants meeting with the requirements will be considered.