Credit & Pricing Analyst (FinTech/Startup/Mobile Payments)

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

Our client is an innovative pay-as-you-go solar startup. They make life better for everyday households in Africa where they build amazing tech to help bring access to energy, internet and opportunity to people who otherwise wouldn’t. Our client is a dynamic, hardworking team that values flexibility and focuses on results over office hours. They are resourceful and budget-conscious, whether they are traveling or working. They believe in resilience, self-reliance, and long-term sustainability. With our client your career growth is driven by your ambitions, from expanding your role to exploring new areas of the business.

Location: Cape Town, South Africa

Work Type: Hybrid

Job Type: Full time/Permanent

Requirements

• Education: Bachelors or Honours degree in Actuarial Science, Statistics, Data Science, Mathematics, or a related quantitative field.
• Technical Skills: Strong proficiency in SQL for data extraction and manipulation. Advanced skills in Python or R for statistical analysis, modelling, and data visualization (e.g., scikit-learn, pandas, seaborn). Experience in building and maintaining credit scorecards, pricing models, or complex financial forecasts. Familiarity with data visualization or dashboarding tools (e.g., Tableau, Power BI) is a plus.
• Soft Skills: Strong analytical and problem-solving abilities. A highly commercial mindset with a focus on business impact. Excellent communication skills—you must be able to explain complex quantitative concepts to non-technical stakeholders. Combines high intellectual horsepower with a practical, hands-on approach. Must have an adventurous spirit and be willing to travel to our operating countries to engage directly with local teams and understand on-the-ground realities.
• Experience: 2-5 years of relevant experience in a credit risk, pricing, or data science role, preferably within fintech, lending, or financial services.

Skills Required

• SQL
• Python or R
• Statistical Modelling
• Credit Risk Analysis
• Financial / P&L Modelling

Responsibilities

• As a Credit & Pricing Analyst with our, you will be at the center of our mission to achieve sustainable profitability. You will report to the Group Head of Credit and take ownership of the analytical engine that drives our credit and pricing strategies. You will:
• Drive Profitability Through Data: Develop, monitor, and refine our pricing models to consistently achieve profitability targets. You will model the P&L impact of changes to pricing, credit policies, and commission structures.
• Credit Performance Forecasting: Build and maintain models to forecast key credit metrics, including repayment rates and portfolio losses. Your forecasts will be a critical input for financial planning and strategic decisions.
• Enhance our Credit Risk Models: Analyse diverse customer and behavioural datasets to build, backtest, and improve our automated credit scoring and risk-bucketing systems.
• Explore New Opportunities: Explore, test, and prototype new analytical models and data-driven projects to uncover opportunities for improving business performance and customer outcomes.
• Deliver Actionable Analysis: Go beyond just building models. You will investigate portfolio trends, identify drivers of good and bad performance, and provide clear, actionable recommendations to in-country teams.
• Own Commercial Outcomes: Being an analyst with our client is not about staying in a spreadsheet. You'll be expected to own business outcomes, understand the second-order effects of your models on our sales and underwriting teams, and do work beyond pure analysis to make things happen.

Additional benefits

• Great offices at the V&A Waterfront
• Opportunity to participate in their ESOP within your first year
• Exciting travel to the countries we operate in
• Hybrid flexibility: spend at least half your time at office, you decide when
• Annual team retreats
• Flexible paid time off

Why work with our client

Our client offers the stability of a large company with the culture of a tight-knit start-up. While our client employs more than 1,000 people across the continent, the core management team in Cape Town, South Africa is an agile, talented group of less than 30. No matter your age or level of experience, you'll be given large responsibilities from Day 1 and expected to be a self-starter and self-teacher. While expectations are high, so is the level of support: they foster a culture where colleagues from across the business are eager to support and learn from one another.