We are looking to connect with experienced Credit Risk professionals as we anticipate continued project demand across South Africa’s banking, insurance, fintech, lending, and broader Financial Services sectors.
This is not an active role. We are proactively building a targeted talent pool so that we can connect relevant independent consultants with future project opportunities as client demand develops.
We are particularly interested in professionals who can combine strong credit risk expertise, analytical capability, regulatory knowledge, and hands-on delivery experience across lending and portfolio environments.
Areas of interest:
We are particularly interested in professionals specialising in:
- Credit Risk Strategy – risk appetite, credit policy, portfolio strategy, underwriting frameworks, and risk governance.
- IFRS 9 & ECL – PD, LGD, EAD, staging, SICR, macroeconomic scenarios, overlays, and impairment methodologies.
- Credit Risk Modelling – scorecards, behavioural models, application models, model development, validation, and monitoring.
- Portfolio Risk Analytics – portfolio performance, vintage analysis, concentration risk, delinquency trends, and early-warning indicators.
- Underwriting & Decisioning – credit decision frameworks, affordability, rules engines, and automated decisioning.
- Collections & Recoveries Analytics – arrears management, cure strategies, collections segmentation, and recovery optimisation.
- Regulatory Credit Risk – Basel frameworks, capital adequacy, stress testing, and regulatory reporting.
- Credit Data & Analytics – SQL, SAS, Python, R, BI tools, and large-scale credit datasets.
What we are looking for:
- Strong experience within banking, fintech, lending, insurance, or broader Financial Services.
- Demonstrated expertise across one or more areas of credit risk management, modelling, analytics, or strategy.
- Strong understanding of credit lifecycle processes, from origination and underwriting through to portfolio management and collections.
- Experience working with large, complex credit datasets and translating analysis into practical business recommendations.
- Ability to engage with risk, finance, product, data, technology, and senior stakeholders.
- Independent consulting, contracting, or project-based experience is advantageous.
Preferred background:
We are particularly interested in professionals who have worked on:
- IFRS 9 implementation, review, validation, or optimisation.
- Credit scorecard development and model validation.
- Retail, SME, commercial, or corporate lending portfolios.
- Credit policy and underwriting transformation.
- Basel, capital, stress testing, or regulatory initiatives.
- Portfolio optimisation and early-warning frameworks.
- Collections and recoveries transformation.
- Digital lending, fintech credit, or automated decisioning initiatives.
Why join our talent pool:
You will be well positioned to hear about future consulting opportunities with leading banks, fintechs, lenders, insurers, and consulting firms across South Africa.
These projects often focus on credit strategy, IFRS 9, model development and validation, portfolio analytics, underwriting, regulatory change, and digital lending transformation.
Whether you are an independent consultant, contractor, or specialist considering future project work, we would love to connect.
👉 Register your interest to be considered for future Credit Risk consulting opportunities.