Commercial Credit Analyst

InforCapital; Cape Town; On-site; ZAR 240,000 - 360,000; Full time

Job summary

Lula is hiring a Commercial Credit Analyst to join our growing fintech business in Cape Town. The role focuses on underwriting and credit analysis, collaborating with internal teams and liaising directly with customers to support credit decisions.

The ideal candidate is transitioning into credit or a recent graduate with strong numerical and analytical capabilities, keen on delivering exceptional customer experience and growing in a dynamic startup environment.

Qualifications

• Bachelor of Commerce in Finance, Accounting, Economics or equivalent.
• Ideally some commercial/SME credit experience.
• Strong numerical and analytical abilities.
• Passionate about delivering customer experience beyond expectations.
• Excellent problem-solving skills.
• Highly organised with strong attention to detail.
• Excellent influencing skills.
• Resilience with a positive approach to challenges.
• Team-oriented and ready to help others, even when busy.
• Adaptable and willing to contribute wherever needed.

Responsibilities

• Engage with clients to verify financial/credit transactions and request additional information as needed.
• Evaluate client credit and financial data to determine risk level in lending.
• Prepare notes on risk level for lending decisions.
• Analyse client records and use data to inform outcomes.
• Interpret financial ratios from proprietary programs to assess client status.
• Support supply chain, sales and marketing in managing credit exposure.
• Develop understanding of the lending platform, especially origination module.
• Escalate issues with the Head of Credit Underwriting and Credit Manager and track resolutions.
• Identify and propose solutions to meet customer needs and requirements.
• Stay up-to-date on technology trends and financial services developments.
• Manage key operational tasks monitoring the portfolio on an ongoing basis.
• Provide ad-hoc support on management-directed projects.

Skills

Numerical ability

Analytical ability

Customer focus

Problem-solving

Attention to detail

Influencing skills

Team player

Resilience

Adaptability

Education

BCom Degree (Finance, Accounting, Economics or equivalent)

Tools

Financial analysis software

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.

Experience & Skills

• 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.