Mayuri Naidoo

Senior Credit Risk Analyst with 4 years and 7 months of experience at Standard Bank across the full credit lifecycle, including originations, portfolio management, collections strategy, IFRS 9/provisions analysis and portfolio reporting. Strong quantitative background with a Master of Finance, Business Science Finance Honours with Mathematical Statistics, and CFA Level I passed. Recognised for automating SAS reporting, translating complex credit performance into stakeholder-ready insights, and supporting risk-based strategies across loans portfolios.

Working knowledge of CACS, supporting monitoring of collections strategies, customer treatments, external agency performance and portfolio controls.

Senior Credit Risk Analyst at Standard Bank (Present)

• Manage credit risk reporting and analytics across the loans portfolio, providing automated insights to stakeholders to support portfolio health, risk appetite adherence and informed credit decisions.
• Develop, monitor and refine originations, account management and collections strategies to optimise portfolio performance while balancing growth, risk and customer outcomes.
• Use advanced SAS programming to automate recurring credit reports, reduce manual effort and improve consistency of month-end and BD1 reporting processes.
• Support Credit Finance stakeholders by analysing provisions and IFRS 9 movements, explaining portfolio drivers and contributing to monthly finance discussions.
• Build and maintain rolling forecast model inputs used by the Credit Finance Budget Model, strengthening forward-looking portfolio planning and budgeting processes.
• Apply CACS knowledge to monitor collections account movement, treatment allocation, customer queries and external collections strategy performance.
• Manage external collections strategies and agency performance, supporting operational effectiveness, risk controls and recovery outcomes.
• Lead pre- and post-implementation testing for new policy rules and strategies, ensuring changes are implemented correctly and deliver expected portfolio outcomes.
• Partner with Finance stakeholders to automate analytical processes, including rate reduction and debt review modification impact assessments.
• Address internal and external audit queries by preparing evidence, explaining reporting logic and supporting control-oriented credit risk governance.
• Champion test-and-learn initiatives to improve credit decisioning, portfolio management and continuous improvement across risk processes.
• Resolve origination, portfolio management and collections-related customer queries by combining credit policy understanding with data-driven analysis.

MBA (2026-06 – 2027-06)

Master of Finance in Finance (2024)

Business Science (Honours) in Finance & Mathematical Statistics (2021)