Sr Credit Analyst – Credit Risk, Forecasting & Analytics at Glencore

• The Senior Credit Analyst - Credit Risk, Forecasting & Analytics Lead is responsible for managing customer credit risk, commercial risk analysis, customer receipts forecasting, portfolio analytics, and strategic market intelligence.
• The role provides independent risk assessment and decision support to management, ensuring that customer and counterparty exposures remain within approved risk appetite while supporting sustainable business growth.
• The incumbent will lead the assessment and periodic review of significant customer credit exposures, including all facilities and credit reviews of R100 million and above, and maintain a strong understanding of market, industry, and economic developments that may impact customer payment performance, creditworthiness, and portfolio risk.

Key Accountabilities

Credit Risk Management

Accountable for:

• Evaluating new customer credit applications and recommending appropriate credit limits.
• Conducting detailed financial statement analysis and creditworthiness assessments.
• Performing annual, interim, and event-driven credit reviews.
• Leading credit reviews for customers with facilities or exposure levels of R100 million and above.
• Assessing counterparty risk exposures and recommending mitigation strategies.
• Monitoring customer risk profiles and identifying deterioration in credit quality.
• Ensuring compliance with company credit policies, delegated authorities, and governance requirements.

Responsible for:

• Financial ratio analysis and cash flow assessments.
• Credit scoring and risk rating evaluations.
• Exposure trend monitoring and portfolio reviews.
• Collateral and security assessments.
• Identification of emerging risks within the customer portfolio.

Commercial and Sector Risk Analysis

Accountable for:

• Providing independent commercial risk assessments for significant customer and sector exposures.
• Identifying emerging industry, market, and economic risks that may affect customers and trading sectors.
• Supporting commercial decision-making through risk-based recommendations.
• Conducting industry concentration and portfolio risk assessments.
• Recommending risk mitigation strategies for high-risk sectors, customers, and counterparties.

Responsible for:

• Scenario and sensitivity analysis.
• Customer due diligence reviews.
• Competitive and market risk assessments.
• Monitoring industry developments that may impact customer performance.

Market Intelligence & Industry Insights

Accountable for:

• Developing and maintaining a strong understanding of the sectors in which the company trades.
• Monitoring macroeconomic, industry, regulatory, and competitive developments that may impact customer credit risk.
• Providing timely market intelligence and sector insights to management and Credit Committees.
• Identifying emerging threats and opportunities affecting customer portfolios.
• Supporting strategic credit decisions through informed market and industry analysis.

Responsible for:

• Monitoring market trends and sector performance indicators.
• Analysing economic and industry reports.
• Tracking insolvencies, business rescue proceedings, and industry distress indicators.
• Producing sector risk summaries and outlook assessments.

Customer Receipts Forecasting

Accountable for:

• Preparing short- and medium-term customer receipts forecasts.
• Supporting Treasury liquidity planning processes.
• Analysing forecast variances and identifying drivers.
• Implementing initiatives to improve forecasting accuracy.

Responsible for:

• Weekly forecasting updates.
• Cash collection trend analysis.
• Variance reporting and explanations.
• Maintenance of forecasting models and assumptions.

Portfolio Analytics & Reporting

Accountable for:

• Producing portfolio risk reporting and management dashboards.
• Preparing Credit Committee and executive reporting packs.
• Monitoring portfolio concentration risks and exposure trends.
• Providing analytics to support strategic credit decisions.
• Reporting significant risk events and material changes to customer risk profiles.

Responsible for:

• Exposure and limit reporting.
• Portfolio performance analytics.
• Bad debt trend analysis.
• Risk scoring and customer segmentation reporting.
• Data quality and reporting accuracy.

Governance, Controls & Risk Management

Accountable for:

• Maintaining an effective annual customer review programme.
• Ensuring timely completion of all high-value credit reviews.
• Monitoring compliance with approved credit limits and authority levels.
• Supporting internal and external audit requirements related to credit risk.
• Ensuring adequate documentation of credit decisions and recommendations.

Responsible for:

• Credit review tracking and reporting.
• Credit authority compliance.
• Risk exposure reporting.
• Documentation quality assurance.

Qualifications

• Bachelor's Degree in Finance, Accounting, Economics, Commerce, Risk Management, or related field.

Preferred

• CFA, FRM, CA(SA), CIMA, MBA, or equivalent professional qualification.

Experience

• 7 to 10 years' experience in credit risk, commercial risk, or corporate credit management.
• Proven experience conducting financial statement analysis and credit assessments.
• Experience reviewing and managing large customer exposures, including facilities exceeding R100 million.
• Strong analytical and forecasting capabilities.
• Experience presenting credit recommendations to senior management and governance committees.'

Preferred

• Experience within the energy, petroleum, manufacturing, industrial, wholesale, or related sectors.
• Exposure to portfolio risk analytics and forecasting.
• Experience working with trade credit insurance and counterparty risk assessments.

Key Competencies

• Advanced financial analysis
• Corporate credit assessment
• Commercial judgement
• Risk identification and mitigation
• Portfolio analytics
• Forecasting and modelling
• Market and industry analysis
• Strategic thinking
• Stakeholder management
• Business acumen
• Written and verbal communication
• Presentation and influencing skills

End Date: October 7, 2026