Credit Risk Modeling Analyst Job Vacancy in Fes, Morocco – Banking & Finance

Job Description

Position: Credit Risk Modeling Analyst

Company: Attijariwafa Bank

Location: Fes, Morocco

Experience: 3-5 years

Education: Bachelor’s degree in Finance, Economics, Statistics or related field; Master’s preferred

Employment Type: Full-time

Industry: Banking & Finance

Department: Risk Management

Salary: 180,000 – 250,000 SSP per annum

Vacancies:1

Company Overview

Attijariwafa Bank is one of Morocco’s leading financial institutions, with a strong presence across Africa and a reputation for innovative banking solutions. Established over six decades ago, the bank offers a comprehensive portfolio of services ranging from retail banking to corporate finance, investment banking, and asset management. Its commitment to digital transformation, sustainable finance, and customer-centric services has positioned it as a top employer for professionals seeking dynamic career opportunities in Morocco. As part of its growth strategy, Attijariwafa Bank continuously invests in talent development, advanced analytics, and cutting‑edge risk management frameworks, making it an ideal environment for ambitious analysts who want to shape the future of banking in the region. The bank’s Fes branch serves a diverse client base, including SMEs, large corporates, and high‑net‑worth individuals, providing a fertile ground for innovative credit risk solutions and data‑driven decision making.

For more information about our recruitment process, visit our main website.

Job Overview

The Credit Risk Modeling Analyst will join the Risk Management Department to design, develop, and maintain quantitative models that assess credit risk across the bank’s loan portfolio. This role is pivotal in ensuring that credit decisions are grounded in robust statistical analysis, regulatory compliance, and the bank’s strategic risk appetite. Working closely with senior risk officers, data scientists, and business units, the analyst will translate complex data sets into actionable insights, support stress‑testing initiatives, and contribute to the continuous improvement of the bank’s risk framework. This position offers a unique blend of analytical rigor, exposure to regulatory environments, and the opportunity to influence high‑impact financial decisions, making it a cornerstone of Attijariwafa Bank’s commitment to sound risk governance.

Explore additional resources at ESWATINI Job Search.

Key Responsibilities

• Develop and validate credit risk rating models using statistical techniques such as logistic regression, decision trees, and machine learning algorithms.
• Perform data extraction, cleaning, and transformation from multiple internal and external sources to support model development.
• Conduct regular model performance monitoring, back‑testing, and validation to ensure predictive accuracy and regulatory compliance.
• Collaborate with business units to integrate model outputs into credit approval workflows and portfolio management tools.
• Prepare detailed documentation, model governance reports, and presentations for senior management and regulatory bodies.
• Participate in stress‑testing exercises and scenario analysis to evaluate portfolio resilience under adverse economic conditions.
• Stay updated on Basel III/IV guidelines, local regulatory requirements, and industry best practices in credit risk modeling.

Required Skills

• Strong proficiency in statistical software (R, Python, SAS) and data manipulation tools (SQL, Excel).
• Deep understanding of credit risk concepts, rating methodologies, and financial statement analysis.
• Experience with model validation frameworks and regulatory reporting.
• Excellent analytical thinking, problem‑solving abilities, and attention to detail.
• Effective communication skills to convey complex technical findings to non‑technical stakeholders.
• Ability to work independently and as part of a multidisciplinary team.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related quantitative discipline is required. A Master’s degree or professional certifications such as FRM or CFA are highly desirable and will be considered an advantage during the selection process.

Experience

Applicants should have 3‑5 years of hands‑on experience in credit risk modeling, quantitative analysis, or related financial analytics roles. Prior experience within a banking environment, especially in a risk management or credit department, is strongly preferred.

Salary

The annual compensation package ranges from 180,000 to 250,000 SSP, commensurate with experience, qualifications, and performance. The package includes a competitive base salary, performance‑based bonuses, and comprehensive benefits.

Benefits

• Health insurance covering medical, dental, and vision care.
• Retirement savings plan with employer contributions.
• Generous paid leave, including annual, sick, and parental leave.
• Professional development allowance for certifications and training.
• Employee assistance program and wellness initiatives.

Training

• On‑boarding program covering bank policies, risk management frameworks, and compliance standards.
• Continuous learning opportunities through internal workshops, external seminars, and e‑learning platforms.
• Mentorship from senior risk officers to accelerate career growth.

Working Environment

Attijariwafa Bank offers a collaborative, inclusive, and technology‑driven workplace. The Fes office features modern workspaces, secure data environments, and flexible working arrangements to support work‑life balance. Employees benefit from a culture that values innovation, ethical conduct, and continuous improvement.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online application portal on our website. Applications will be reviewed on a rolling basis, and shortlisted candidates will be invited for a virtual interview followed by an on‑site assessment.

Equal Opportunity Statement

Attijariwafa Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, age, disability, race, religion, or sexual orientation. All qualified applicants will receive consideration for employment without regard to any protected characteristic.