Retail Credit Analyst (m/f)

Job Overview

We are seeking a Retail Credit Analyst based in Maputo, Mozambique, to manage and assess retail credit requests while ensuring compliance with established policies and procedures. This role involves detailed credit evaluation, portfolio monitoring, fraud detection, and maintaining relationships with agencies and clients.

Responsibilities

• Evaluate retail credit applications, both with and without salary domiciliation, and provide timely decisions within set response times.
• Ensure all credit decisions conform to the bank's Credit Policies and Approval Authority Limits.
• Review credit approval memoranda originating from the Private Banking sector.
• Provide support to branches and clients regarding credit-related inquiries.
• Assist in implementing automated credit approval processes for consumer credit.
• Conduct annual reviews of retail credit programs and agreements with employer entities.
• Monitor and process commissions linked to CEDSIF.
• Perform reconciliation of accounting records related to retail credit to ensure balanced accounts.
• Track overdue portfolios daily and follow up with agencies and customers for recovery actions.
• Identify early warning signs of portfolio deterioration and potential default risks.
• Ensure accurate classification of non-performing loans (NPLs).
• Detect, prevent, and report potential credit operation fraud.
• Prepare regular reports on retail credit portfolio performance.
• Support audit processes and ensure timely resolution of recommendations and observations.
• Maintain appropriate credit documentation accurately.
• Handle customer complaints related to credit within designated timelines.

Requirements

• A Bachelor's degree in Finance, Banking, Economics, Accounting, Management, Business Administration, or related fields.
• At least 3 years of experience working in the banking sector.
• A minimum of 2 years experience focusing on retail credit, credit administration, credit recovery, or credit risk management.
• Demonstrated experience in credit analysis, default monitoring, and fraud detection is advantageous.
• Familiarity with the Bank of Mozambique regulations applicable to credit.
• Advanced proficiency in Microsoft Excel.
• Knowledge of banking systems and reporting tools; experience with Power BI is a plus.

Benefits

• Opportunity to join a global institution offering professional growth prospects.
• Encouragement for women to apply throughout recruitment and selection procedures.

Additional Information

Application deadline is October 9, 2026.