Commercial Credit Analyst

Lulalend; Cape Town; On-site; ZAR 350,000 - 520,000; Full time

Job summary

Lulalend, a growing fintech in South Africa, is seeking a Commercial Credit Analyst to join their underwriting team. You will engage with clients, assess credit data, and help manage the portfolio while collaborating with internal stakeholders.

Ideal candidates are recent graduates or early-career professionals with strong numerical and analytical abilities and a customer-first mindset in a dynamic startup environment.

Qualifications

• BCom Degree (Finance, Accounting, Economics or equivalent field).
• Ideally you will have some commercial/SME credit experience
• Strong numerical and analytical abilities
• Passionate about delivering customer experience above and beyond expectations
• Excellent problem-solving skills
• Highly organised with strong attention to detail
• Excellent influencing skills
• Resilience and positive attitude when facing challenges
• Team-player who enjoys helping others and stepping up when needed
• Start-up mentality: flexible, adaptable and collaborative

Responsibilities

• Engaging with clients to verify financial/credit transactions and request additional information as needed
• Evaluating clients’ credit data and financial data to determine risk in lending money
• Preparing notes about the degree of risk in lending money to clients
• Analysing client records and using data to make outcomes recommendations
• Interpreting financial ratios to assess clients’ financial status
• Helping supply chain and Sales/Marketing manage financial orders and credit exposure
• Understanding the lending platform with focus on origination module
• Collaborating with Head of Credit Underwriting and Credit Manager on escalations
• Identify solutions to meet customer needs and requirements
• Keep up-to-date on fintech and credit tech developments
• Manage other key operational tasks for portfolio monitoring
• Provide support on ad-hoc projects as directed by management

Skills

Numerical skills

Analytical abilities

Customer experience

Problem solving

Attention to detail

Team player

Education

BCom Degree

Job description

Lula is hiring a Commercial Credit Analyst. This is an ideal role for an individual starting their career in credit, or a recent graduate, to join our growing fintech business. Your primary focus will be managing our credit underwriting process, which requires strong analytical and financial capabilities while collaborating with internal stakeholders. You'll also get the opportunity to develop your skills by regularly liaising and dealing directly with our customers.

Responsibilities:

• Engaging with clients to verify their financial/credit transactions, business performance and request additional information where need be
• Evaluating clients’ credit data and financial data in order to determine the degree of risk involved in lending money to them
• Preparing notes about the degree of risk in lending money to clients
• Analysing client records and using the data to recommend outcomes
• Evaluating the financial status of clients by interpreting financial ratios produced by proprietary programs
• Helping supply chain and Sales and Marketing departments in managing financial orders to help them control credit exposure
• Understanding the lending platform in its entirety with special focus on the origination module
• Working hand-in-hand with the Head of Credit Underwriting and Credit Manager on any issue escalations, ensuring every customer problem is tracked, resolved, and followed up on properly.
• Proactively identify and formulate solutions designed to genuinely meet customer needs and strategically satisfy their expressed and underlying requirements.
• Keep up-to-date on technology developments and technical issues relevant to the portfolio and the financial services industry.
• Managing other key operational tasks linked to the monitoring of the portfolio on book on a regular basis
• Provide support on ad-hoc projects as directed by management to meet evolving business needs.

The Experience & Skills We’re Looking For

• BCom Degree (Finance, Accounting, Economics or equivalent field).
• Ideally you will have some commercial/SME credit experience
• You have strong numerical and analytical abilities
• Passionate about delivering customer experience above and beyond customer expectations
• Excellent problem-solving skills
• Highly organised with strong attention to detail
• Excellent influencing skills
• Demonstrate resilience and a positive approach when facing challenges.
• You are a fun-loving team-player who enjoys helping others out and will happily step up to assist, even when your plate is full.
• You understand the start up mentality and embrace the fact that we're all in this together! You're ready to be flexible, adaptable, and contribute wherever needed.