Commercial Credit Analyst - Fintech Underwriting

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 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.