📍 Johannesburg, Gauteng | 🏢 On-Site | ⏳ Full-Time | 📅 Applications Open
Are you a recent graduate ready to take your first step into the world of global finance? Citi South Africa invites ambitious, analytical, and driven graduates to apply for the Credit Risk Learnership Graduate Programme (2026 intake) based in Johannesburg.
This is more than just an entry-level opportunity. It is a structured, year-long professional development programme designed to equip young graduates with the technical skills, industry knowledge, and real-world experience needed to build a successful career in financial services and risk management.
At Citi, you become part of a global organisation that operates in more than 160 countries and supports millions of customers worldwide. The organisation is committed to developing future leaders by providing meaningful exposure, mentorship, and continuous learning opportunities in a fast-paced and dynamic environment.
🌟 About the Programme
The Citi Learnership Graduate Programme in Credit Risk is designed to give newly qualified graduates practical exposure to the banking and financial risk environment. Participants will join the Risk Management team and work closely with experienced professionals responsible for identifying, assessing, monitoring, and reporting risks across various business areas.
The programme combines structured learning with real workplace experience. Graduates will not only learn theoretical concepts but will also apply them in day-to-day operations, gaining valuable insight into how major financial institutions manage risk, ensure compliance, and maintain financial stability.
Throughout the programme, participants will be exposed to different aspects of credit risk management, including analytical tools, reporting systems, regulatory frameworks, and business decision-making processes. This hands-on experience ensures that graduates develop both technical expertise and professional confidence.
📊 What You Will Be Doing
As a Credit Risk Graduate, you will support the Risk Management function in several important areas. Your responsibilities will include:
- Assisting the Risk Management team in identifying and evaluating financial and operational risks
- Supporting the monitoring and reporting of credit risk across different business portfolios
- Analysing data to assist in risk assessment and decision-making processes
- Learning and applying risk frameworks and internal control systems
- Assisting with regulatory compliance and reporting requirements
- Participating in team discussions, training sessions, and development workshops
- Gaining exposure to financial models, risk indicators, and performance metrics
- Supporting business operations through research and analytical insights
This role is designed to challenge you intellectually while also providing the guidance and structure needed to help you grow professionally.
🎓 Minimum Requirements
To be considered for this opportunity, applicants must meet the following criteria:
- A completed Bachelor’s degree in one of the following fields:
Finance, Economics, Accounting, Statistics, Mathematics, or Risk Management - A minimum academic average of 65% or higher
- Graduates with 0 to 1 year of work experience are eligible (work experience is not required)
- Strong analytical and quantitative abilities
- Good communication and interpersonal skills
- Ability to work effectively in a team environment
- High level of integrity, responsibility, and ethical decision-making
Candidates must also submit the following documents when applying:
- Updated Curriculum Vitae (CV)
- Cover letter
- Full academic transcripts
- Copy of ID
💡 Who We Are Looking For
Citi is not only looking for academic excellence but also for individuals with the right mindset and attitude toward growth and learning. The ideal candidate is someone who is curious, disciplined, and motivated to build a long-term career in financial services.
We are looking for graduates who demonstrate:
- A strong commitment to personal and professional development
- A genuine interest in the financial services and banking industry
- Analytical thinking and problem-solving ability
- Strong planning, organisational, and time management skills
- The ability to communicate clearly and work well within a team
- A proactive approach to learning and taking initiative
- Integrity and professionalism in all work-related activities
While prior knowledge of the banking industry is beneficial, it is not required. Citi values potential, attitude, and willingness to learn above all else.
🌍 Why Join Citi?
Joining Citi means joining one of the world’s most respected financial institutions, where your career development is taken seriously from day one. As part of the Learnership Programme, you will benefit from:
- Structured on-the-job training in Credit Risk and Financial Services
- Exposure to global banking operations and real business environments
- Mentorship from experienced professionals in the industry
- Opportunities to build a strong professional network
- Development of technical, analytical, and communication skills
- A strong foundation for future career growth in banking and risk management
This programme is designed to help you transition from university to the corporate world with confidence and competence.
📈 Career Growth Opportunities
Graduates who successfully complete the programme will have developed a strong foundation in risk management and financial analysis. This experience can open doors to various career paths within banking, including:
- Credit Risk Analyst
- Risk Associate
- Financial Analyst
- Compliance Analyst
- Banking Operations Specialist
Citi values internal talent development, and high-performing graduates may be considered for further opportunities within the organisation after completion of the learnership.
📌 Final Note
If you are passionate about finance, enjoy working with data, and want to build a meaningful career in a global organisation, this opportunity is for you. The Citi Credit Risk Learnership Programme offers the perfect starting point for graduates who are serious about growth, learning, and long-term success in the financial sector.
Take the first step toward your future today.
📍 Location: Johannesburg, Gauteng
📅 Programme Duration: 12 Months
🏢 Employer: Citi South Africa
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