Credit Risk Analyst Job Vacancy in Maputo, Mozambique – Banking

Job Description

Position: Credit Risk Analyst

Company: Standard Bank Group

Location: Maputo, Mozambique

Experience: 3-5 years

Education: Bachelor’s degree in Finance, Economics, or related field

Employment Type: Full-time

Industry: Banking

Department: Risk Management

Salary: SSP 350,000 – 500,000 per month

Vacancies:1

Company Overview

Standard Bank Group is a leading African financial institution with a strong presence across the continent, including a fully licensed subsidiary in Mozambique. With a commitment to sustainable growth, innovation, and community development, Standard Bank has been recognized for its robust risk management frameworks and customer‑centric banking solutions. The bank’s operations in Maputo serve a diverse portfolio of corporate, SME, and retail clients, contributing significantly to the country’s economic development. As part of its strategic expansion, Standard Bank continuously seeks top talent to reinforce its position as a premier employer in the region. This role offers an excellent platform for professionals looking to advance their careers within a dynamic, inclusive, and forward‑thinking environment. Join us and be part of a team that drives financial stability and supports Mozambique Jobs that shape the future.

Job Overview

The Credit Risk Analyst will play a pivotal role in assessing creditworthiness, monitoring portfolio performance, and ensuring compliance with regulatory standards. Reporting to the Head of Credit Risk, the analyst will collaborate with relationship managers, underwriting teams, and senior executives to provide data‑driven insights that influence lending decisions. This position is integral to maintaining the bank’s risk appetite while supporting growth objectives. Candidates will have the opportunity to work on complex credit structures, develop predictive models, and contribute to the continuous improvement of risk policies. For more information about Standard Bank’s career pathways, visit the Standard Bank Careers Portal. This is a prime opportunity for individuals seeking challenging Mozambique Jobs that combine analytical rigor with strategic impact.

Key Responsibilities

• Conduct comprehensive credit analyses for corporate and SME loan applications, including financial statement review, cash flow modeling, and industry assessment.
• Prepare detailed credit risk reports and present findings to senior management and credit committees.
• Monitor existing loan portfolios for early warning signals, covenant breaches, and emerging risk trends.
• Develop and maintain credit scoring models and risk rating systems to enhance predictive accuracy.
• Collaborate with the compliance team to ensure adherence to local regulatory requirements and internal policies.
• Assist in the preparation of stress‑testing scenarios and contribute to the bank’s risk appetite framework.
• Provide actionable recommendations to mitigate identified risks and support portfolio optimization.
• Stay updated on macro‑economic developments, sectoral dynamics, and market conditions affecting credit risk in Mozambique.

Required Skills

• Strong analytical and quantitative abilities with proficiency in financial modeling.
• Excellent written and verbal communication skills for report preparation and stakeholder presentations.
• Advanced knowledge of credit risk assessment tools and methodologies.
• Proficiency in MS Excel; experience with statistical software (e.g., SAS, R, Python) is a plus.
• Ability to work independently and as part of a cross‑functional team.
• Attention to detail and strong organizational skills.
• Understanding of Mozambique’s regulatory environment and banking sector.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Accounting, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or equivalent are highly desirable and will be considered an advantage during the selection process.

Experience

Applicants should have 3 to 5 years of relevant experience in credit analysis, risk assessment, or financial underwriting within a banking or financial services environment. Experience in emerging markets, particularly in Southern Africa, will be viewed favorably.

Salary

The successful candidate will receive a competitive monthly salary ranging from SSP 350,000 to SSP 500,000, commensurate with experience and qualifications. Additional performance‑based incentives may be offered.

Benefits

• Comprehensive health and life insurance coverage.
• Retirement savings plan with employer contributions.
• Generous paid leave, including annual, sick, and parental leave.
• Professional development allowance and support for certifications.
• Employee assistance program and wellness initiatives.
• Transportation allowance for commuting to the Maputo office.

Training

• On‑boarding program covering bank policies, risk frameworks, and compliance standards.
• Continuous learning opportunities through internal workshops and external courses.
• Mentorship from senior risk professionals to accelerate career growth.
• Access to e‑learning platforms for skill enhancement.
• Regular participation in industry conferences and seminars.

Working Environment

Standard Bank offers a collaborative, inclusive, and technology‑enabled workplace located in the heart of Maputo’s financial district. Employees benefit from modern office facilities, flexible working arrangements, and a culture that values diversity, integrity, and innovation. The bank’s commitment to sustainable practices creates a supportive environment for professional and personal development.

Application Process

Interested candidates are invited to submit their application through the online portal on the Standard Bank Careers website. The application should include an updated resume, a cover letter outlining relevant experience, and copies of academic certificates. Shortlisted applicants will undergo a competency‑based interview followed by a technical assessment. The recruitment timeline typically spans four to six weeks from submission to final offer.

Equal Opportunity Statement

Standard Bank Group is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. Join us and contribute to a workplace where every voice is heard and every talent is valued.