Credit Risk Analyst

We at Yara are part of a global network, collaborating to profitably and responsibly solve some of the world's key challenges - resource scarcity, food insecurity and environmental change.

About the Position

We are seeking an experienced and knowledgeable Credit Risk Analyst to join our Johannesburg team to oversee credit risk management activities in our operations and projects across Africa. As a Credit Risk Analyst, you will be responsible for evaluating and managing credit risks and ensuring compliance with regulatory requirements. The ideal candidate will have a deep understanding of credit risk management principles, experience in the African market, and strong analytical skills. This role requires an individual with excellent decision-making abilities, the ability to work well under pressure, and the confidence to collaborate with diverse teams and stakeholders.

Responsibilities

Assess and evaluate the creditworthiness of clients and borrowers within the African market, ensuring adherence to credit risk policies and guidelines.
Conduct comprehensive credit risk analysis and due diligence on potential borrowers, utilizing financial models and industry-specific risk assessment tools.
Monitor and continuously assess credit risk exposure across the portfolio, analysing trends and identifying potential risks or areas for improvement.
Collaborate with various internal teams, including underwriters, finance, and legal, to streamline credit risk processes and ensure consistent decision-making.
Review and analyse credit documentation, loan agreements, and collateral requirements, ensuring compliance with internal policies and external regulatory guidelines.
Establish and maintain effective relationships with external stakeholders, including credit rating agencies, banks, regulatory bodies, and other financial institutions.
Provide guidance and training to teams involved in credit risk activities, ensuring a thorough understanding of credit risk management principles and best practices.
Monitor and provide regular reports on credit risk metrics, key performance indicators, and portfolio trends to senior management and relevant stakeholders.
Stay updated on industry trends, market conditions, and regulatory changes in the African market, enabling proactive risk mitigation strategies and adjustments to credit policies.
Support continuous process improvements across finance reporting, working capital, and performance management
Support the preparation of budgets, forecasts, and rolling outlooks, including variance and assumption analysis
Support cash flow forecasting, monitoring, and analysis across the business
Ensure compliance with finance policies and controls, supporting audits, systems enhancements, and data quality initiatives

Requirements

Bachelor’s degree in finance, Economics, Business Administration, or a related field. Advanced degree or certifications (e.g., FRM, CFA) are preferred.
Proven experience in credit risk management within the African market, with a minimum of 3 years in a similar role.
In-depth knowledge of credit risk management principles, methodologies, and regulatory frameworks within the African context.
Strong analytical and quantitative skills, with the ability to assess complex financial data and make sound credit risk decisions.
Familiarity with risk assessment tools, credit scoring models, and underwriting practices.
Excellent understanding of industry-specific credit risk factors and market dynamics in the African market.
Proficiency in using financial analysis software , risk management systems, and MS Office applications.
Effective communication and presentation skills, with the ability to articulate complex credit risk concepts to diverse audiences.
Strong problem-solving and decision-making abilities, with attention to detail and accuracy in credit risk assessment.
Ability to work collaboratively in cross-functional teams, demonstrating leadership and influencing skills.
Exposure to working for a multinational would be an added advantage

Apply no later than

13 May 2026

Knowledge grows through differences
Yara is committed to creating a diverse and inclusive environment and is proud to be an equal opportunity employer. We believe that creating a diverse and inclusive work environment is not only the right thing, but also the smart thing to do. To deliver on this, Yara has firmly anchored Diversity, Equity & Inclusion (DE&I) in our business strategy and has more than 400 employees worldwide involved in D&I ambassadors networks.

As part of our recruitment process, where permitted by local law, we may conduct reference and background checks. These checks will only be performed when deemed necessary for the nature of the job. Candidates will be informed by HR before any background checks are initiated.