Business & Commercial Banking (BCB) Credit Risk Graduate Programme

Company Description

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

Job Description

Are you ready to embark on an exciting career journey in Credit Risk withing Business and Commercial Banking? Our Graduate Program offers you the opportunity to gain hands on experience in a dynamic and fast paced industry.

Through a series of rotations, you will gain extensive experience in a wide range of analytical areas across South Africa and the African Continent.

• Credit Risk Modelling – Learn to develop and refine models that assess risk, guiding critical lending decisions.
• Digital Lending Strategies – Discover advanced techniques in credit scoring and automated lending strategies to improve lending outcomes.
• Lending Portfolio Management – Gain insights into managing diverse lending portfolios and optimising performance.
• Data Management and Visualisation – Master the skills to manage large datasets and create compelling visualizations that drive business insights.

Why join Standard Bank?

• Comprehensive Training – Receive in depth training from industry experts to build a solid foundation in credit risk.
• Professional Development – Access mentorship, networking opportunities, and resources to support your growth.
• Real-World Projects – Work on projects that have a tangible impact, helping you apply your knowledge and skills.
• Career Pathways – Our program opens doors to a rewarding career at Standard Bank.

Take the next step in your career journey with us and be part of a team that values innovation, collaboration, and excellence.

During this 18-month program, you will have the opportunity to:

• Understand the Credit Risk Lifecycle: Gain comprehensive insights into each stage of the credit risk process and its impact on business operations.
• Enhance Coding Skills: Develop and refine your expertise in SAS, SQL, and Python to analyse data and create innovative solutions.
• Contribute to Digital Risk Modernization: Play a key role in updating and streamlining digital risk solutions and strategies.
• Develop and Maintain Credit Risk Models: Assist in creating, deploying, maintaining, and monitoring models that evaluate risk and guide critical lending decisions.
• Create Insightful Dashboards: Use tools like Power BI and Qlik Sense to craft data-driven dashboards that provide valuable insights and key performance indicators (KPIs) for stakeholders.
• Optimize Credit Limit Setting Strategies: Support the design, maintenance, and improvement of strategies for digital and automated lending processes.
• Monitor Credit Portfolios: Contribute to the comprehensive oversight of credit portfolios and support the creation of reports for effective portfolio management.
• Perform Quantitative Analytics: Analyse data to evaluate current credit strategies and develop innovative challenger strategies to enhance Business and Commercial Banking portfolios.

Application closing date: 30 June 2025

Qualifications

Masters or Honours in:

BSc / BCom

• Business Mathematics and Informatics (BMI)
• Mathematics
• Statistics
• Data Science
• Actuarial Science
• Computer Science
• Engineering (Financial, Mechanical, Industrial, Electrical & Chemical)
• Operations / Operational Research
• Risk Analysis / Analytics

Honours qualification to be completed by 31 December 2025

Additional Information

Minimum requirements:

• South African Citizen
• Should you have work experience, it should not exceed 18 months 
• Full academic transcripts to be submitted with application for undergraduate and postgraduate studies