Business and Commercial Banking (BCB) Risk Graduate Programme

Are you ready to embark on an exciting career journey in Risk within Business and Commercial Banking Our BCB Risk Graduate Programme offers you the opportunity to gain hands on experience in a dynamic and fast paced industry. 

Through a series of rotations you will gain extensive experience in a wide range of analytical areas across South Africa and the African Continent including: 

• Credit Risk Modelling Learn to develop and refine models that assess risk guiding critical lending decisions. 
• Digital Lending Strategies Discover advanced techniques in credit scoring and automated lending strategies to improve lending outcomes. 
• Lending Portfolio Management Gain insights into managing diverse lending portfolios and optimising performance. 
• Data Management and Engineering Master the skills to create and manage large datasets understand data governance and create compelling visualisations that drive business insights. 
• AI & Automation Gain hands-on experience in applying AI and automation to real banking process. 

Why join Standard Bank 

• Comprehensive Training Receive in depth training from industry experts to build a solid foundation in credit risk. 
• Professional Development Access mentorship networking opportunities and resources to support your growth. 
• Real-World Projects Work on projects that have a tangible impact helping you apply your knowledge and skills. 
• Career Pathways Our programme opens doors to a rewarding career at Standard Bank. 

Take the next step in your career journey with us and be part of a team that values innovation collaboration and excellence. 

Key responsibilities: 

During this 18-month programme you will have the opportunity to: 

• Understand the Credit Risk Lifecycle:Gain comprehensive insights into each stage of the credit risk process and its impact on business operations. 
• Enhance Coding Skills:Develop and refine your expertise in SAS SQL and Python to analyse data and create innovative solutions. 
• Contribute to Digital Risk Modernisation:Play a key role in updating and streamlining digital risk solutions and strategies. 
• Develop and Maintain Credit Risk Models:Assist in creating deploying maintaining and monitoring models that evaluate risk and guide critical lending decisions. 
• Create Insightful Dashboards:Use tools like Power BI and Qlik Sense to craft data-driven dashboards that provide valuable insights and key performance indicators (KPIs) for stakeholders. 
• Optimise Credit Limit Setting Strategies:Support the design maintenance and improvement of strategies for digital and automated lending processes. 
• Monitor Credit Portfolios:Contribute to the comprehensive oversight of credit portfolios and support the creation of reports for effective portfolio management. 
• Perform Quantitative Analytics:Analyse data to evaluate current credit strategies and develop innovative challenger strategies to enhance Business and Commercial Banking portfolios. 

Qualifications :

Postgraduate qualification (recently completed or completing in 2026) 

BSc/BCom: 

• Business Mathematics and Informatics (BMI) 
• Mathematics 
• Statistics 
• Data Science 
• Actuarial Science 
• Computer Science 
• Engineering (Financial Mechanical Industrial Electrical & Chemical) 
• Operations / Operational Research 
• Risk Analysis / Analytics 

Postgraduate to be completed by 31 December 2026. 

Additional Information :

Minimum requirements: 

• Must be a South African citizen. 
• Should you have work experience it should not exceed 18months. 
• Matric certificate to be submitted with application. 
• Full academictranscripts to be submitted with application for undergraduate and postgraduate studies. 

Programme duration:18 months 

Application closing date: 30 May 2026 

Remote Work :

No

Employment Type :

Full-time