Credit Risk Professional

Company Profile: Candi is a dedicated solar partner for businesses across Asia and Africa. Combining the international capital of our Swiss-based platform with local expertise in these regions, we’re able to provide a unique offering to this underserved sector. In doing so, we aim to have a big social impact, reduce carbon emissions, create jobs, increase energy access, and save money for businesses of all sizes in emerging markets. Our approach is to take the risk so our partners don’t have to, providing businesses with flexible, end-to-end solar and battery solutions that are built to last. Our shared value model leverages our experience in customisable finance and performance offerings, quality engineering, and data-enabled asset management to help guarantee optimised systems, lowering the barrier to entry and maximising returns. www.candi.solar Job Summary : The company is looking to strengthen its credit risk team with a Credit Risk Manager. You would be an experienced professional, who can thoroughly and clearly explain a credit opinion as well as own it. Your experience would have covered the full credit lifecycle across multiple customer and credit product types. Specifically, the job requires taking ownership of the following for the South African team: ​​Credit risk assessment and monitoring of potential and existing customers, by consistently applying internally developed scoring tools, performing very detailed and thorough financial statement analysis (dealing with issues of low quality or incomplete disclosures), analysing intra-group structures, suretyships, guarantees, collateral, and credit risk mitigants where there are multiple related entities, applying judgement and expertise in investigating and evaluating qualitative risk factors for survivability and contract performance in a consistent and objective manner; Risk reporting at the customer and portfolio levels; Support the training of other departments on risk issues to support a company-wide appreciation risk appetite and customer prioritization; Work closely with other functions to ensure smooth execution of workflows; Capture and prepare internal and external data to improve credit risk assessment and contextualize reporting; Make material contributions to the improvement and new development of in-house risk tools and projects to improve credit decisions and reporting; Depending on experience and progress in the role, may assume a management role for junior staff in the Risk team. Location: Johannesburg (preferable) / Cape Town / Durban (hybrid working policy) Hours: Full time Job Requirements: 5+ years front-line experience in credit risk in South Africa, ideally with a focus on SMEs; Broad knowledge of relevant industries such as manufacturing, agriculture, commercial real estate; In-depth understanding of accounting principles and relevant standards such as IFRS 9; Knowledge of and experience reviewing legal agreements such as Power Purchase Agreements, loan agreements, and parent company guarantees; Expert level knowledge of Excel and other data tools; Experience or know-how in Data Science, analytics, visualization or programming (i.e. Python, Power Query M, PowerBI, SQL, BigQuery) is a significant differentiator; Excellent spoken and written English. Working Culture: You agree to live out the Candi values every day of your employment: this includes to put empathy before ego , being authentic no matter what , that we get it done as one and follow the Candi principle that less is more A dynamic, cross-functional team player, willing to take initiative on projects in the context of a multicultural scale-up trying to execute big, bold ideas. Having experience working for an international company, or having studied or worked abroad, is considered a plus. You must be open, honest, trustworthy, a strong communicator, and understand that what we get done as a team surpasses what we get done individually. Candi is an equal opportunities employer. Candi is unique because... We focus on helping businesses of all sizes in emerging markets get access to cheap, clean rooftop solar energy. We have a strong emphasis on a client-centric & innovation-driven working culture. We are an international team where remote working is commonplace, where we trust our team members to actively carve out a role for themselves according to their skillset. Only qualified candidates will be contacted.