Fintech Commercial Credit Analyst — Growth & Impact

Lula; Cape Town; On-site; ZAR 240,000 - 340,000; Full time

Job summary

Lula is hiring a Commercial Credit Analyst in Cape Town. This role is ideal for a candidate starting their credit career or a recent graduate.

You will manage the credit underwriting process, analyze financial data, and work with internal teams while liaising with customers to resolve queries. Key tasks include evaluating credit data, preparing risk notes, and supporting cross-functional teams to control credit exposure.

Qualifications

• Strong numerical and analytical abilities.
• Passionate about delivering customer experience.
• Excellent problem-solving skills.
• Highly organised with strong attention to detail.

Responsibilities

• Engage with clients to verify financial transactions and request information.
• Evaluate clients’ credit data to assess risk in lending.
• Prepare notes on risk levels in lending.
• Analyze client records to inform outcomes.
• Interpret financial ratios to assess client status.
• Support supply chain, Sales and Marketing to manage credit exposure.
• Understand the lending platform and origination module.
• Collaborate with Head of Credit Underwriting and Credit Manager on escalations.
• Proactively identify solutions to meet customer needs.
• Stay up-to-date on fintech and financial services developments.
• Monitor portfolio and support management with ad-hoc tasks.

Skills

Numerical ability

Analytical thinking

Customer experience

Problem solving

Attention to detail

Team player

Resilience

Flexibility

Education

BCom Degree

Job description

Lula is hiring a Commercial Credit Analyst in Cape Town. This role is ideal for a candidate starting their credit career or a recent graduate.

You will manage the credit underwriting process, analyze financial data, and work with internal teams while liaising with customers to resolve queries. Key tasks include evaluating credit data, preparing risk notes, and supporting cross-functional teams to control credit exposure.