AXIAN GROUP & YOUR MISSION
Axian is a diversified group operating across five high-growth sectors: Digibank & Fintech, Real Estate, Energy, Telecoms, and Financial Services playing a leading role in the sustainable
transformation of emerging economies.
As our Credit Risk Analyst, you will play a vital part in assessing the risk across loan portfolios, mitigating financial risks, and contributing to the overall financial health of DigiBank.
RESPONSIBILITIES
Credit Risk Analysis
- Assist in performing individual and portfolio-level credit analyses, gathering and summarizing data.
- Contribute to the development and improvement of credit scoring models and risk assessment tools.
- Maintain and update credit risk profiles under the guidance of the Credit Manager.
- Prepare preliminary credit reports, supporting the Credit Manager in finalizing recommendations for loan approvals, pricing, and risk mitigation strategies.
- Monitor key credit metrics and trends, identifying potential risk exposures and flagging them for the Credit Manager’s attention.
Credit Policy And Monitoring
- Research and compile data for credit policy development and revisions.
- Create and update risk monitoring dashboards and reports under the guidance of the Credit Manager.
- Assist in ensuring compliance with relevant regulatory requirements and internal risk management standards.
- Participate in periodic reviews of credit policies and processes, providing insights and feedback.
Portfolio Management
- Assist in monitoring and managing existing credit portfolios, identifying potential issues and escalating them as needed.
- Gather and analyze portfolio data to support the Credit Manager in making informed decisions.
- Provide research and data analysis to support the development and implementation of collection strategies.
- Contribute to portfolio performance analysis and credit loss forecasting under the guidance of the Credit Manager.
- Collaborate with other departments to identify and implement risk mitigation strategies, as directed by the Credit Manager.
- Collaborate with other departments to identify and implement risk mitigation strategies, as directed by the Credit Manager.
Reporting and Communication
- Prepare preliminary credit risk reports and contribute to reports for the Head of Risk and senior management
- Clearly communicate complex risk information to internal stakeholders under the guidance of the Credit Manager.
- Assist in presenting analyses and recommendations to senior management and credit committees, as assigned.
Profile
ACADEMIC
Bachelor’s degree in finance, economics, risk, or related field required
Experience
+ Minimum of 3 years of experience in credit risk analysis or related field
Competence
Hard skills
- Strong understanding of credit risk management principles, methodologies, and tools
- Proven ability to analyze financial data and develop insights from complex information.
- Excellent analytical and problem-solving skills
Soft Skills
- Strong understanding of credit risk management principles, methodologies, and tools
- Proven ability to analyze financial data and develop insights from complex information.
- Excellent analytical and problem-solving skills
- Effective communication and presentation skills.
- Ability to work independently and as a part of a team in a fast-paced environment.
| NOTE |
| The requirements and responsibilities listed in this job description do not create a contract of employment and are not intended to be exhaustive. They may be modified by the role manager during the course of employment, should |
| JOB HOLDER | MANAGER | CEO |
| Name : Surname : Signature : Date : | Name : Surname : Signature : Date : | Name : Surname : Signature : Date : |