Risk Analyst

Responsibilities:

Risk Identification & Assessment:

• Identify, analyze, and evaluate potential risks affecting the company’s operations, including credit, operational, and market risks.
• Conduct detailed risk assessments for new and existing financial products and business initiatives.
• Develop risk profiles for clients and transactions in line with company policies.

Credit Risk Analysis:

• Review loan applications and perform comprehensive credit analysis, including financial statement assessment and cash flow analysis.
• Assess borrower risk, repayment capacity, and collateral adequacy.
• Provide recommendations on credit approvals, modifications, or rejections.

Risk Monitoring & Reporting:

• Monitor risk exposures and ensure they remain within approved risk appetite and limits.
• Prepare periodic risk reports, dashboards, and analytics for management review.
• Track key risk indicators (KRIs) and escalate potential issues proactively.

Data Analysis & Modeling:

• Analyze large datasets to identify trends, patterns, and emerging risks.
• Support the development and enhancement of risk models, scoring systems, and analytical tools.
• Provide insights to improve portfolio quality and minimize default rates.

Policy & Compliance Support:

• Ensure adherence to internal risk policies, regulatory requirements, and industry standards.
• Support the development and review of risk management policies and procedures.
• Collaborate with compliance and audit teams to address identified gaps.

Collaboration & Advisory:

• Work closely with sales, credit, and operations teams to provide risk advisory support.
• Assist in structuring financial solutions that balance risk and return.
• Contribute to a strong risk-aware culture across the organization.

Requirements:

• Bachelor’s degree in finance, Economics, Accounting, Mathematics, or a related field.
• Minimum of 5 years’ experience in risk analysis, credit analysis, or a related role within financial services, fintech, or banking.
• Familiarity with credit risk assessment tools and financial modeling techniques.
• Relevant certifications (e.g., FRM, CFA, or equivalent) are an added advantage.
• High level of integrity and professionalism
• Proactive and detail-oriented
• Ability to work under pressure and meet deadlines
• Strong organizational and time management skills
• Team player with a collaborative mindset

Key Performance Indicators (KPIs):

• Quality of credit risk assessments and recommendations
• Portfolio performance (e.g., non-performing loan ratio)
• Accuracy and timeliness of risk reports
• Effectiveness in identifying and mitigating risks
• Compliance with risk policies and regulatory requirements