Credit & Pricing Analyst — Data-Driven Fintech Impact

Black Pen Recruitment; Cape Town; Hybrid; ZAR 200 000 - 300 000; Full time

Job summary

A dynamic fintech company in Cape Town, South Africa, is seeking a Credit & Pricing Analyst to drive profitability through data analysis. This role involves developing pricing models, forecasting credit performance, and enhancing credit risk systems. The ideal candidate will have a Bachelor's degree and 2-5 years of experience in data-heavy roles. The company offers a hybrid work environment and a range of employee benefits including flexible paid time off and opportunities for travel.

Benefits

Great offices at the V&A Waterfront

Opportunity to participate in an ESOP

Exciting travel opportunities

Hybrid flexibility

Annual team retreats

Flexible paid time off

Qualifications

• 2-5 years of relevant experience in a credit risk, pricing, or data science role, preferably in fintech or financial services.
• Strong analytical and problem-solving abilities with a commercial mindset.
• Excellent communication skills for conveying complex quantitative concepts to non-technical stakeholders.

Responsibilities

• Develop, monitor, and refine pricing models to achieve profitability targets.
• Build and maintain credit performance forecasting models for key metrics.
• Enhance credit risk models through customer and behavioral data analysis.
• Test and prototype new analytical models to uncover business performance opportunities.
• Investigate portfolio trends and provide actionable recommendations.

Skills

SQL

Python or R

Statistical Modelling

Credit Risk Analysis

Financial / P&L Modelling

Education

Bachelor's or Honours degree in Actuarial Science, Statistics, Data Science, Mathematics, or a related quantitative field

Job description

A dynamic fintech company in Cape Town, South Africa, is seeking a Credit & Pricing Analyst to drive profitability through data analysis. This role involves developing pricing models, forecasting credit performance, and enhancing credit risk systems. The ideal candidate will have a Bachelor's degree and 2-5 years of experience in data-heavy roles. The company offers a hybrid work environment and a range of employee benefits including flexible paid time off and opportunities for travel.