Job Summary

Job Title: Risk Analyst

Responsible for identifying and analyzing the areas of potential risk threatening the success of CDL product(s), predicting change and future trends, as well as forecasting costs. To communicate risk policies and processes to the organization while providing hands – on development of risk models involving markets, credit and operational risk, assures controls are operating effectively and provide research and analytical support

Responsibilities

Job Responsibilities

• Designing and implementing and overall risk management processes for the organization which includes and analyses of the financial impact of risk on the company per product
• Partnering with product team to design products, pilot programs and launch of new products or features for existing products.
• Establishing the level of risk, the organization is willing to take per product while implementing threshold in regards portfolio at risk (PAR)
• Conduct research to assess, analyze and anticipate credit risk trend
• Calculate risk involved in transactions and product proposals and formulate contingency plans
• Recommend improvement methods or precautionary for existing or emerging credit risk on each product.
• Monitor the growth and activity of the portfolio based on specified risk levels. Analyzing current risk and identifying potential risk that are affecting product
• Reviewing any new major contract, products or internal business proposal.
• Risk Reporting tailored to the relevant audience (BOARD PACK, MPRs, WEEKLY and BI-ANNUAL product reports)
• Support and build relationships with different business units for the growth of the organization

Requirements

Job Description

Functional Competencies:

• Bachelor’s degree in communications, Public Relations, Marketing, or a related field.
• Advance knowledge of Microsoft word, Excel, Access and PowerPoint, SQL, PowerBi
• Critical Thinking, Problem Solving and Analytical Skills
• Performance Management
• Creativity
• Attention to details
• Knowledge of loan Monitoring & Remedial Management
• Clear understanding of portfolio risks related to vintage and delinquency Trends.
• Adept at working  across  matrix Organizations.

Person Specification:

• Adaptable and able to thrive in a dynamic work environment.
• Commitment to upholding and promoting the company’s DNAs.
• Empathetic approach to understanding and addressing the needs of both internal and external stakeholders.
• Execution-oriented with the ability to deliver results under pressure.

Benefits

At Credit Direct Limited, we value our employees and strive to provide a comprehensive benefits package that recognizes their contributions and supports their well-being. As part of our commitment to a positive work environment, we offer the following benefits:

Competitive Salary: We offer a competitive salary structure that is commensurate with industry standards and recognizes the skills and experience of our employees.

Quarterly Performance Pay: We recognize and reward exceptional performance. Our quarterly performance pay program allows employees to earn additional compensation based on their individual and team achievements.

Transport Subsidy: We understand the importance of accessible transportation for our employees. To assist with commuting expenses, we provide a transport subsidy to help alleviate the financial burden associated with travel to and from work.

Staff Bus: We offer a convenient and reliable staff bus service for eligible employees, ensuring a comfortable and stress-free commute to the workplace.

Hybrid Work: We believe in providing flexibility and work-life balance. Our hybrid work policy allows eligible employees to work remotely for a certain number of days per week, promoting a healthy work-life integration.

13th Month Salary: As an additional financial benefit, we provide a 13th-month salary to our employees. This extra payment, usually received at the end of the year, serves as a bonus and acknowledges their dedication and commitment throughout the year.

Leave Allowance: We recognize the importance of taking time off for rest and relaxation. In addition to annual leave entitlement, we provide a leave allowance to eligible employees, offering financial support during their vacation time.

Profit Sharing: We believe in sharing our success with our employees. Through our profit-sharing program, eligible employees have the opportunity to receive a share of the company’s profits, providing an additional incentive for their dedication and hard work.

These benefits are designed to support our employees’ financial well-being, work-life balance, and professional growth. We continuously review and enhance our benefits package to ensure that it remains competitive and aligned with the needs and preferences of our valued employees.