Our client, operating in the payments and lending industry, is seeking a Senior Credit Risk Analyst to monitor and optimise credit risk performance across its lending portfolio. The role focuses on balancing bad debt and approval-rate targets with portfolio profitability through advanced analytics, forecasting, credit scoring and data-driven policy recommendations. Key Responsibilities: Credit Risk Analytics & Modelling Develop provisioning, profitability, bad debt and cash flow forecasting models. Optimise credit vetting policies, decision rules and scoring strategies to achieve risk and growth targets. Analyse operational performance and provide recommendations to improve credit efficiencies. Support Credit Committee decisions through diagnostic and ad hoc analytics. Collaborate with credit bureaus on application, limit and collections scorecards. Portfolio Monitoring & Strategy Track and interpret daily, weekly and monthly credit risk and operational metrics. Identify portfolio trends, emerging risks and opportunities, and recommend credit policy changes. Analyse fraud processes and recommend effective prevention strategies. Work with data and analytics teams on data warehouse solutions and reliable reporting. Develop and evaluate Champion--Challenger strategies for credit cut-off and limit decisions. Reporting & Leadership Define reporting requirements and frameworks, and validate BI reporting outputs. Present actionable findings and recommendations to stakeholders and Credit Committee. Coach and mentor fellow analysts. Minimum Qualifications & Experience: [Three-year degree in a technical, financial or analytical discipline]{.mark}. An Honours degree in a quantitative field or other postgraduate qualification is advantageous. [Up to 5 years' analytical credit experience in banking, financial services or retail credit.]{.mark} [High proficiency in SQL and Python and/or R.]{.mark} Experience in [credit risk modelling, including probability of default (PD), loss given default (LGD) and exposure at default (EAD).]{.mark} Experience developing and monitoring [credit scorecards]{.mark} and applying Champion--Challenger analysis. Strong [diagnostic analytics, performance reporting and credit risk judgement]{.mark}. Key Competencies: Excellent analytical and critical thinking, communication and stakeholder management skills. Proactive, organised and accurate, with the ability to meet deadlines. Able to work independently and collaboratively. Work Environment: Office-based in Kuilsrivier, Western Cape. General: We are committed to fair and inclusive hiring. All suitably qualified applicants are welcome to apply. Preference may be given in line with our client's Employment Equity plan and applicable legislation. Applicants must have the legal right to work in South Africa at the time of application. Only shortlisted candidates will be contacted. If you do not hear from us within 30 days, please consider your application unsuccessful. Please include your current remuneration (CTC), salary expectation, and notice period (optional but helpful for screening). By applying, you consent to the processing of your personal information for recruitment purposes in accordance with POPIA.