Portfolio Analyst // Asset Management

Overview

This role is responsible for the day-to-day management and performance of the organization’s portfolios on behalf of funding partners. The position combines hands-on portfolio analysis with practical execution of asset allocations, configuration changes, and reporting to funders and regulators. You will report to the Asset Management Lead.

Responsibilities

• Manage portfolio performance

  • Support financial performance and return targets for an assigned set of funding partners, working with the Portfolio Strategy team.
  • Allocate microcredit assets across geographies, risk segments, and products to meet each partner’s mandate, risk appetite, and return hurdle.
  • Analyze portfolios to identify risk and opportunity, and recommend changes to lending strategy before issues arise.

• Execute allocation and configuration changes

  • Prepare, check, and submit allocation and configuration changes (tier changes, yield targets, risk-taker settings) with complete, correctly scoped information.

• Manage liquidity

  • Manage funder e-wallet positions to ensure sufficient liquidity for targeted lending, working with Treasury to move capital between markets.
  • Forecast lending volume, performance, and cash flow.

• Report to funders and regulators

  • Produce funder packs and regulatory submissions that are complete, reconciled, and on time.
  • Build and maintain BI reporting and documented, repeatable analysis.

• Improve and collaborate

  • Help improve processes, controls, and tooling across asset and risk management.
  • Build relationships with Treasury, Risk, Product, Data, Engineering, and Partnerships; engage with design documents and system changes affecting your work.

Requirements

• 2–3 years’ experience as a risk, credit, or portfolio analyst in financial services.
• Degree in Business, Finance, Mathematics, Statistics, Economics, Risk Management, or similar.
• Strong attention to detail (reconcile before sending; catch your own errors).
• Ownership and initiative (deliver to committed dates; flag early when something will slip).
• Solid understanding of credit products, the credit lifecycle, portfolio metrics, and forecasting.
• Strong working knowledge of Excel, SQL, and a BI tool (Power BI, Superset, Tableau, or similar).
• Clear communication and confidence working across functions.
• Adaptability in a fast-paced, lean environment.

Preferred Qualifications

• CFA, FRM, CA, or CAIA (completed or in progress).
• Credit scoring or risk management experience on consumer portfolios.
• Experience preparing regulatory or funder reporting packs.
• Experience with configuration-as-code or ticket-driven change processes.

Compensation & Benefits

• Flexible work practices.

Location

• Based in South Africa.
• Remote-first working approach is the default, with co-working spaces available in Cape Town for collaboration and for those who prefer working out of an office.