Credit Risk Analyst Job Vacancy in Thiès, Senegal – Banking & Finance

Job Description

Position: Credit Risk Analyst

Company: Société Générale Senegal

Location: Thiès, Senegal

Experience: 3-5 years in credit risk analysis

Education: Bachelor’s degree in Finance, Economics or related field

Employment Type: Full-time

Industry: Banking & Finance

Department: Risk Management

Salary: 1,200,000 – 2,000,000 SSP per month

Vacancies:1

Company Overview

Société Générale Senegal is a leading international banking institution with a strong presence across West Africa. Established in Senegal in the early 2000s, the bank offers a comprehensive suite of retail, corporate, and investment banking services. As part of the global Société Générale Group, the Senegalese subsidiary adheres to the highest standards of corporate governance, risk management, and customer service. The bank is committed to fostering economic growth in Senegal by providing innovative financial solutions, supporting small and medium enterprises, and promoting financial inclusion. With a workforce of over 1,500 professionals, the organization values diversity, continuous learning, and a collaborative culture. This makes it an attractive destination for ambitious talent seeking career advancement in the dynamic banking sector. The bank’s commitment to sustainability and community development aligns with the broader goals of Senegal’s Vision 2035, positioning it as a key partner in the nation’s economic transformation.

Job Overview

The Credit Risk Analyst will play a pivotal role in assessing the creditworthiness of corporate and individual borrowers, ensuring that the bank’s loan portfolio remains healthy and compliant with regulatory standards. Reporting to the Head of Credit Risk, the analyst will conduct detailed financial analysis, develop risk models, and provide actionable insights to senior management. This position offers an excellent opportunity to work within a high‑performing risk management team, contribute to strategic decision‑making, and enhance your expertise in credit risk methodologies. The role is based in Thiès, a vibrant city known for its industrial zones and growing business community, providing a strategic location for engaging with a diverse client base. Candidates will be part of a forward‑looking environment that encourages innovation, data‑driven analysis, and continuous improvement. For more information about the bank and its career opportunities, visit https://senegaljobsearch.com/.

Key Responsibilities

• Analyze financial statements, cash flow projections, and market trends to evaluate borrower credit risk.
• Develop and maintain credit scoring models and risk rating systems.
• Prepare comprehensive credit reports and present findings to credit committees.
• Monitor existing loan portfolios for early warning signs of deterioration.
• Collaborate with relationship managers to structure appropriate loan terms and covenants.
• Ensure compliance with local regulatory requirements and internal risk policies.
• Participate in stress‑testing exercises and scenario analysis.
• Provide training and mentorship to junior analysts on credit assessment techniques.

Required Skills

• Strong analytical and quantitative abilities with proficiency in Excel and statistical software (e.g., SAS, R, Python).
• In‑depth knowledge of credit risk principles, Basel III standards, and local banking regulations.
• Excellent written and verbal communication skills in French and English.
• Attention to detail and ability to work under tight deadlines.
• Team‑player mindset with strong interpersonal skills.
• Problem‑solving orientation and proactive attitude.

Education

A Bachelor’s degree in Finance, Economics, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or equivalent are highly desirable and will be considered an advantage during the selection process.

Experience

Applicants should possess 3‑5 years of hands‑on experience in credit analysis, preferably within a banking or financial services environment. Experience with corporate lending, SME financing, or consumer credit will be valued.

Salary

The compensation package ranges from 1,200,000 to 2,000,000 SSP per month, commensurate with experience and qualifications. Performance‑based bonuses and incentives are also part of the total rewards structure.

Benefits

• Comprehensive health insurance for employee and dependents.
• Retirement savings plan with employer contributions.
• Paid annual leave and public holidays in accordance with Senegalese labor law.
• Transportation allowance for commuting to the Thiès office.
• Employee assistance program and wellness initiatives.

Training

• On‑boarding program covering bank policies, risk frameworks, and compliance.
• Access to internal and external training modules on credit risk modeling, financial analysis, and regulatory updates.
• Opportunities to attend industry conferences and workshops.
• Mentorship from senior risk managers and participation in cross‑functional projects.

Working Environment

The Thiès office offers a modern, collaborative workspace equipped with the latest technology tools. Employees benefit from a flexible work schedule, occasional remote‑working options, and a culture that encourages knowledge sharing and professional growth. The bank promotes a respectful and inclusive atmosphere where diverse perspectives are valued.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online portal on the bank’s career page. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for a preliminary interview followed by technical assessments.

Equal Opportunity Statement

Société Générale Senegal is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, age, disability, religion, or sexual orientation. All qualified applicants will receive consideration for employment without discrimination.