Credit Analyst – Digital Credit

Absa Group

. Support development of strategies throughout the credit cycle, including prospect targeting and acquisition, exposure management, customer marketing, collections and recovery .

Posted 10/22/2026full-timeKenyaMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk management, including the design and development of credit risk models and scorecards, while effectively analyzing macroeconomic factors to optimize portfolio performance. Strong analytical skills and the ability to present complex information clearly are essential.

Highest-signal resume keywords

Credit Risk ManagementMacroeconomic AnalysisCredit Strategies DevelopmentPortfolio ManagementPresentation Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk ModelsScorecard DevelopmentPortfolio Quality ReviewsData AnalysisStatistical Analysis

Soft Skills

Analytical AbilityCommunication Skills

Certifications & Qualifications

Further Education and Training Certificate (FETC)

Industry Keywords

Credit CycleExposure ManagementCustomer MarketingCollectionsForbearance Reviews

About the role

Key responsibilities & impact

Support development of strategies throughout the credit cycle, including prospect targeting and acquisition, exposure management, customer marketing, collections and recovery
Ensure successful scorecard deployment, implementation and performance tracking
Build and track test cases
Manage sampling to maintain credit quality
Perform portfolio quality reviews
Support the Head of Retail Credit Risk with monthly Scheme portfolio reports, forbearance reviews, limit reviews and annual reviews
Lead macroeconomic analysis through news highlights, monthly economic reviews, sector analysis and competitor analysis
Design and develop credit risk management models for mobile lending products
Design and develop application and behavioural scorecards for different products, markets and portfolios
Define credit strategies to optimize portfolio profitability
Research and test credit risk models and tools
Execute and maintain credit risk models
Review and underwrite credit strategies requiring subjective input
Monitor portfolios to identify trends and mitigation strategies
Define and manage portfolio management strategies against performance metrics
Prepare monthly macroeconomic reviews covering exchange rates, inflation, interest rates and other economic factors
Conduct competitor analysis of products and financials
Maintain the macroeconomic library covering sector intelligence and the regulatory landscape
Correlate portfolio performance with the macroeconomic environment
Contribute to product and process design to build quality into design
Contribute to sales strategies to influence target population and product uptake

Requirements

What you’ll need

A Bachelor’s degree in a maths/statistics/economics/operations research related field
Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
Comprehensive credit skills
General commercial and industry awareness
Working knowledge of risk management policies, procedures and pricing
High analytical ability
Proven excellent presentation skills

Benefits

Comp & perks

My Career Development Portal with leading-edge guidance, tools and support
Equal opportunity and affirmative action employment environment