Credit Risk Analyst – Home Loans, Property Risk and Analytics

Absa Group

Credit Risk Analyst supporting the credit risk process with data-driven risk strategies. Collaborating with various stakeholders to enhance portfolio performance.

Posted 5/30/2026full-timeJohannesburg • 🇿🇦 South AfricaMid-LevelSeniorWebsite

ATS Keywords

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Hard Skills

data analysisSAShandling large datasetsUser Acceptance Testing (UAT)credit risk metricsSystem Development Life Cycle (SDLC)advanced proficiency in Microsoft Officeanalytical thinkingproblem-solvingproject management

Soft Skills

effective verbal communicationeffective written communicationcollaborationstrategic recommendationsinsight communicationstakeholder engagementanalytical inputremediation planningprocess optimizationfacilitation

Tools & Technologies

Microsoft ExcelMicrosoft PowerPointMicrosoft Word

Industry Keywords

credit riskportfolio performancecredit lifecycledata-driven risk strategiesmonthly MI reportsacquisition strategiesoperational teamscomplianceproduct developmentcustomer complaints

Tech Stack

Tools & technologies

SDLC

About the role

Key responsibilities & impact

Support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle.
Develop and implement data-driven risk strategies to enhance portfolio performance.
Source, consolidate, and analyse large datasets using SAS, identifying key trends, patterns, and anomalies.
Collaborate with cross-functional stakeholders including Sales, IT, Front-End, Collections, Finance, and Risk teams.
Support New Product Development through analytical input and product refinement assessments.
Identify gaps in acquisition strategies and recommend improvements to optimise processes.
Present analytical findings and strategic recommendations to both technical and non-technical stakeholders.
Perform User Acceptance Testing (UAT) and post-implementation monitoring to ensure effectiveness of strategy changes.
Produce and analyse monthly MI reports, providing clear, insight-driven commentary on key risk indicators.
Identify areas of concern and develop actionable remediation plans.
Communicate insights effectively to a diverse stakeholder audience.
Facilitate strategy approval and sign-off processes, ensuring alignment and awareness across the business.
Work closely with operational teams to ensure strategies perform optimally.
Ensure all strategies comply with credit risk policies and relevant frameworks.
Investigate and resolve escalated customer complaints efficiently and fairly.

Requirements

What you’ll need

Bachelor’s Degree in Business, Mathematics, Statistics, Operational Research, Industrial Engineering, Risk Management, or related field.
Minimum 3 years’ experience in:
Data analysis
SAS (or similar statistical tools)
Handling large, complex datasets
Advanced proficiency in Microsoft Office (Excel, PowerPoint, Word).
Strong understanding of credit risk metrics
Problem-solving and analytical thinking.
Effective verbal and written communication.
Project management.
User Acceptance Testing (UAT).
Knowledge of System Development Life Cycle (SDLC).

Benefits

Comp & perks

Equal opportunity employer
Affirmative action employer
Contributes towards achievement of equitable demographic representation
Adds to the diversity of the Bank