Build Smarter Models. Drive Better Outcomes. Join the Performance Risk Talent Community.

At Performance Risk, we don't just build models; we build financial resilience. For over 13 years, we have helped banks, vehicle finance companies, and retail lenders optimize lending decisions, significantly reduce bad debt, and enhance portfolio profitability.

As we continue to expand our quantitative practice, we are building a talent community of top-tier Credit Risk Modelers and Quantitative Analysts. While we don't have a specific opening listed today, we are always looking for experts who can help our clients turn data into defensible, profitable decisions.

If you have a passion for PD/LGD/EAD modeling, a mastery of Python/R/SAS, and a deep understanding of IFRS 9 / CECL and Basel frameworks, we want to connect with you.

Why Credit Risk Modeling at Performance Risk?

Our credit risk models are not academic exercises—they are business drivers. We have a proven track record of delivering measurable impact, including helping a regional bank client achieve a 15% reduction in credit losses within 18 months while simultaneously growing their loan portfolio by 20%.

We pride ourselves on building transparent, interpretable models that meet rigorous regulatory standards while empowering our clients to lend with confidence.

Who We Are Looking For

We are seeking experienced modelers at all levels who thrive on solving complex quantitative challenges.

Senior Credit Risk Modelers / Quantitative Analysts

• Experience: 5+ years of experience in credit risk modeling within banking, vehicle finance, or consumer lending.

• Technical Mastery: Advanced proficiency in Python, R, or SAS for statistical modeling and data analysis. Experience with machine learning techniques is a plus.

• Model Development: Deep expertise developing and validating Probability of Default (PD) , Loss Given Default (LGD) , and Exposure at Default (EAD) models.

• Regulatory Knowledge: Strong working knowledge of IFRS 9 / CECL , Basel III/IV , and local regulatory requirements. You know how to build models that stand up to auditor and regulatory scrutiny.

• Interpretability: You believe models should be transparent and explainable, not black boxes. You can translate complex quantitative concepts into actionable insights for clients.

Junior Modelers / Quantitative Analysts

• Experience: 1-3 years of experience in a quantitative role, preferably in financial services.

• Technical Skills: Strong programming skills in Python or R. Familiarity with SQL and data manipulation.

• Foundational Knowledge: Understanding of regression analysis, time series, and basic credit risk concepts.

• Eagerness to Learn: A desire to grow under the mentorship of our senior leadership team and work on high-impact projects across diverse industries.

What You'll Work On

As part of the Performance Risk talent community, you could be engaged to:

• Develop custom PD/LGD/EAD models for regional banks and vehicle finance companies.

• Implement IFRS 9 / CECL -compliant expected credit loss (ECL) frameworks.

• Conduct model validation, back-testing, and stress-testing to ensure stability and accuracy.

• Build credit scorecards and application scoring systems to optimize lending decisions.

• Design portfolio risk dashboards and early warning systems using Key Risk Indicators (KRIs) .

• Support clients through regulatory audits with comprehensive model documentation.

Why Join the Performance Risk Talent Pool?

• Be Top of Mind: Be the first to hear about new quantitative roles before they are advertised publicly.

• Work on Diverse Portfolios: Gain exposure to multiple industries—banking, vehicle finance, and retail—applying your skills across different asset classes and risk profiles.

• Senior Leadership Mentorship: Our team is led by seasoned risk managers with over a decade of experience. You'll work alongside Certified Risk Management Practitioners (CRMP) who are committed to continuous development.

• Transparent & Competitive Rates:

  • Senior Credit Risk Modelers: R4,500/hour

  • Junior Modelers / Analysts: R1,450 – R2,700/hour

  • We also offer project-based and retainer pricing for longer-term engagements.

The Performance Risk Modeling Philosophy

We don't believe in black-box models. Our approach emphasizes:

• Transparency: Every model we build includes clear documentation and interpretable outputs.

• Business Relevance: We align models with our clients' risk appetite and strategic objectives.

• Regulatory Rigor: All models are designed to meet the highest standards (Basel, IFRS 9) from day one.

• Measurable Results: We define success metrics upfront and pride ourselves on delivering tangible improvements in portfolio performance.

How to Apply

Submit your CV below. Please indicate your experience level (Senior or Junior) and highlight your specific technical expertise (e.g., "Senior Modeler - Python/IFRS 9 Specialist").

If your profile matches a future project need, one of our Talent Specialists will reach out immediately to discuss potential opportunities.

We are seeking a passionate and technically proficient Climate Risk Specialist to join our team. In this role, you will lead the effort to identify, assess, and manage climate-related risks—both physical and transitional—across our organization or for our clients. You will be responsible for developing climate risk frameworks, conducting scenario analysis, ensuring compliance with evolving disclosure regulations, and integrating climate considerations into overall enterprise risk management (ERM) strategy.

Key Responsibilities

Climate Risk Assessment & Analysis

• Identify and assess physical climate risks (e.g., extreme weather events, sea-level rise, chronic shifts) and transition risks (e.g., policy changes, technology disruption, market shifts) to the organization's operations, supply chain, and investments.

• Conduct quantitative and qualitative climate scenario analysis (e.g., NGFS scenarios, IPCC pathways) to model potential impacts under different climate futures.

• Develop and maintain climate risk heat maps, dashboards, and risk registers.

Strategy & Integration

• Integrate climate risk considerations into the organization's Enterprise Risk Management (ERM) framework.

• Collaborate with finance, strategy, and operations teams to stress-test business models and develop climate adaptation and mitigation strategies.

• Advise on opportunities related to the low-carbon transition, including green finance and sustainable product development.

Reporting & Compliance

• Lead the preparation of climate-related disclosures in line with global standards such as the TCFD (Task Force on Climate-related Financial Disclosures) , ISSB (International Sustainability Standards Board) , SASB, and CDP.

• Monitor evolving regulatory requirements (e.g., EU CSRD, SEC climate rules) and ensure organizational compliance.

• Prepare reports and presentations for senior management, the board of directors, and external stakeholders.

Data & Modeling

• Source, manage, and analyze climate data sets from various providers (e.g., climate models, geospatial data, emissions data).

• Work with data scientists and external consultants to develop or enhance climate risk models.

• Quantify financial impacts of climate risks on assets, liabilities, and investments.

Stakeholder Engagement

• Liaise with internal stakeholders (investor relations, legal, communications) to ensure consistent messaging on climate risk.

• Represent the organization in industry working groups and engage with investors on climate-related matters.

• Stay abreast of the latest climate science, policy developments, and industry best practices.

Qualifications

Education & Experience

• Master's degree (preferred) or Bachelor's degree in Environmental Science, Climate Science, Meteorology, Sustainability, Economics, Finance, or a related quantitative field.

• 3-5 years of experience in climate risk, sustainability consulting, environmental modeling, or a related analytical role.

• Experience with climate scenario analysis, physical risk modeling, or transition risk assessment is highly desirable.

• Familiarity with climate disclosure frameworks (for e.g., TCFD, ISSB, CDP) is essential.

Skills & Competencies

• Strong understanding of climate science, climate modeling, and the socio-economic impacts of climate change.

• Proficiency in data analysis and visualization tools (e.g., Python, R, GIS (Geographic Information Systems), Excel, Tableau, Power BI, Excel).

• Experience working with climate data sets (e.g., CMIP6, NGFS scenarios) is a significant plus.

• Knowledge of financial risk management principles and their application to climate risks.

• Excellent analytical, problem-solving, and critical-thinking skills.

• Strong written and verbal communication skills; ability to translate complex climate data into actionable business insights for non-technical audiences.

• Ability to work cross-functionally and manage multiple projects in a fast-paced environment.

Preferred Certifications (Optional but a Plus)

• SCR™ (Sustainability and Climate Risk) Certificate from GARP.

• CFA Institute Certificate in ESG Investing.

• PRM or FRM with a focus on climate risk.

Are you a recent graduate or early-career professional looking to launch your career in risk management? We are seeking a motivated and analytical Junior Risk Consultant to join our team. In this entry-level trainee role, you will support senior consultants in identifying, analyzing, and mitigating risks for our clients or internal departments. You will receive hands-on training, mentorship, and exposure to various industries while developing foundational skills in risk assessment, data analysis, and regulatory compliance. This is an excellent opportunity to grow into a full-fledged Risk Consultant role.

Key Responsibilities

Research & Analysis

• Assist in collecting and organizing data related to client risk profiles, industry trends, and regulatory changes.

• Support senior consultants in performing risk assessments and gap analyses.

• Help prepare risk heat maps, dashboards, and other visual aids to present findings.

Documentation & Reporting

• Draft sections of risk reports, presentations, and proposals.

• Maintain organized project files, risk registers, and documentation libraries.

• Ensure all documentation adheres to internal quality standards and client requirements.

Client & Team Support

• Participate in client meetings (virtual or in-person) to take notes and observe consulting best practices.

• Coordinate with internal teams to gather information and track project milestones.

• Assist in the development of risk management policies, procedures, and training materials.

Learning & Development

• Actively participate in training sessions, workshops, and mentorship programs.

• Stay current on emerging risks, industry standards, and regulatory updates relevant to the practice.

• Work towards relevant certifications (e.g., FRM, PRM, CRM) with company support.

Qualifications

Education & Experience

• Bachelor's degree in Finance, Economics, Business Administration, Accounting, or a related field.

• 0–2 years of professional experience (internships or relevant academic projects count).

• Internship or coursework related to risk management, compliance, or data analysis is a plus.

Skills & Competencies

• Strong analytical and critical thinking skills; ability to interpret data and identify trends.

• Proficiency in Microsoft Office Suite, particularly Excel (pivot tables, basic formulas) and PowerPoint.

• Excellent written and verbal communication skills; ability to summarize complex information clearly.

• High attention to detail and organizational skills.

• Eagerness to learn, proactive attitude, and ability to work both independently and collaboratively.

• Basic understanding of risk management concepts (e.g., financial risk, operational risk, compliance) is preferred but not required.

We are seeking a highly organized and proactive Project Manager to lead and oversee the successful delivery of key initiatives. In this role, you will be responsible for planning, executing, and closing projects while ensuring they are completed on time, within budget, and to the required quality standards. You will act as the primary liaison between stakeholders, team members, and leadership, driving progress and removing roadblocks.

Key Responsibilities

Project Planning & Initiation

• Define project scope, goals, and deliverables in collaboration with senior management and stakeholders.

• Develop comprehensive project plans, including timelines, milestones, resource allocation, and budget estimates.

• Identify required team members and define their roles and responsibilities.

Execution & Monitoring

• Lead project teams, assign tasks, and monitor progress to ensure adherence to the project plan.

• Track project performance using appropriate tools and techniques (e.g., Gantt charts, KPIs, burndown charts).

• Manage changes to project scope, schedule, and costs using formal verification and change control processes.

• Identify and mitigate risks and issues, escalating to leadership when necessary.

Communication & Stakeholder Management

• Serve as the primary point of contact for all project-related communications.

• Facilitate regular team meetings, status updates, and stakeholder presentations.

• Prepare and distribute project status reports, ensuring transparency on progress, risks, and wins.

Budget & Resource Management

• Monitor project budgets, track expenditures, and ensure financial accountability.

• Optimize the allocation of resources (people, materials, equipment) to maximize efficiency.

Quality Assurance & Closure

• Ensure project deliverables meet quality standards and stakeholder expectations.

• Conduct post-project evaluations and lessons-learned sessions to identify successful and unsuccessful project elements.

• Document project closure and archive all relevant records.

Qualifications

Education & Experience

• Bachelor’s degree in Business Administration, Management, or a related field.

• [Number] years of proven experience as a Project Manager or in a similar leadership role.

• Relevant certification (e.g., PMP, PRINCE2, Certified ScrumMaster (CSM) ) is highly preferred (Please include if in progress).

Skills & Competencies

• Strong understanding of project management methodologies (Agile, Waterfall, or Hybrid).

• Proficiency with project management software (e.g., MS Project, Jira, Trello, Asana, or Monday.com).

• Excellent leadership, team-building, and conflict-resolution skills.

• Exceptional time management and organizational skills, with the ability to manage multiple priorities.

• Strong verbal and written communication skills; ability to tailor messaging to technical and non-technical audiences.

• Financial acumen for budget management and resource planning.

We are seeking a detail-oriented and analytical Risk Manager to join our team. In this role, you will be responsible for identifying, assessing, and mitigating risks that could threaten the reputation, safety, security, or financial success of our organization. You will work closely with various departments to establish risk management protocols, ensure compliance with regulations, and foster a culture of risk awareness.

Key Responsibilities

Risk Identification & Assessment

• Develop and implement a comprehensive risk management framework, policies, and procedures.

• Identify potential risks (financial, operational, strategic, cyber, regulatory) through audits, data analysis, and stakeholder interviews.

• Conduct quantitative and qualitative risk assessments to prioritize risks based on likelihood and potential impact.

Monitoring & Reporting

• Monitor the organization's risk landscape and the effectiveness of internal controls.

• Prepare and present regular risk reports and dashboards to senior management and the board of directors.

• Track key risk indicators (KRIs) and trigger alerts when risk levels approach tolerance thresholds.

Mitigation & Strategy

• Develop risk mitigation strategies and action plans; coordinate with department heads to implement corrective measures.

• Advise on insurance coverage, contractual risk allocation, and business continuity planning.

• Lead or support internal investigations regarding risk incidents or control failures.

Compliance & Governance

• Ensure the organization complies with all relevant industry regulations (e.g., [GDPR, SOX, Basel, HIPAA, etc.]).

• Liaise with internal audit, legal, and compliance teams to ensure cohesive governance.

• Stay up-to-date on changes in legislation and industry standards that may affect the organization's risk profile.

Culture & Training

• Promote a culture of risk awareness across the organization.

• Develop and deliver risk management training programs for employees.

Qualifications

Education & Experience

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field. MBA or relevant Master’s degree preferred.

• 3-5 years of experience in risk management, compliance, or internal audit.

• Professional certification (e.g., FRM, PRM, CRM) is highly desirable.

Skills & Competencies

• Strong knowledge of risk management frameworks (e.g., ISO 31000, COSO) and regulatory requirements.

• Proficiency in data analysis and risk modeling software (e.g., Excel, [Specific tools like SAP, MetricStream, or Tableau]).

• Excellent analytical and problem-solving skills with the ability to interpret complex data.

• Strong communication and presentation skills, with the ability to explain complex risks to non-experts.

• High level of integrity and professional ethics.