Senior Credit Risk Analyst

We are looking for a highly skilled and experienced Senior Credit Risk Analyst to join its Credit Risk team. The successful candidate will play a critical role in monitoring, analysing, and interpreting key credit risk indicators across the lending portfolio. The primary objective of this role is to ensure that the business achieves its bad debt and approval (pass rate) targets, while simultaneously optimising overall portfolio profitability and risk performance. The successful candidate will analyze credit portfolio data to identify trends, patterns, and risks, providing actionable recommendations to improve credit decisions, manage risk, and enhance lending performance. This includes evaluating and adjusting credit strategies, scorecards, and decision rules to balance growth and risk. Key Responsibilities 1. Design and analytics • Design and build provisioning, profitability, bad debt and cash flow forecasting models • Design and continual optimisation of the credit vetting and scoring policy to ensure credit performance targets are met • Analysis of operational performance and recommendations to improve credit efficiencies • Perform ad hoc analysis required by Credit Committee to enable accurate decisioning • Analytical representation of Capfin with bureau on custom scorecard developments for application-, limit- and collections scorecards • Coach and mentor other analysts to deliver on key performance areas 2. Portfolio monitoring and recommendations • Daily, weekly and monthly tracking of relevant metrics • Ensure accurate measurement and monitoring of credit risk and credit operational performance • Work closely with the data team and information and analytics architect to implement data solutions in the data warehouse • Monitor and analyse fraud processes to ensure optimal levels of fraud through proposals/recommendations to Credit Committee on effective prevention strategies • Input and recommendations on the development and enhancement of the credit risk strategy and analytics for Capfin • Identify trends in performance and recommend policy changes to Credit Committee 3. Reporting • Design a reporting framework for implementation by BI team • Validate reporting development by BI team • Enhance reporting requirement to match business needs