Graduate Internship – Credit Risk, Data Analytics & Operations

Lendgo; South Africa; On-site; ZAR 89,000 - 134,000; Full time

Job summary

LendGo is offering a graduate internship in credit risk, data analytics and operations in South Africa. You will gain hands-on experience across credit decisioning, data analytics and lending operations while working with the leadership team.

The role emphasizes data-driven analysis, process improvement and growth mindset. The internship targets recent graduates seeking practical fintech exposure and long-term opportunities.

Qualifications

• Recent graduates/entry-level candidates welcomed.
• Strong analytical ability with comfort working with numbers and data.
• Excellent written and verbal communication skills.
• Access to reliable internet and a conducive working environment.
• Dependable, punctual and able to meet commitments.

Responsibilities

• Analyze loan applications, credit bureau reports and bank statements to assess affordability and repayment risk.
• Support development and improvement of data-driven credit approval rules.
• Identify patterns that distinguish reliable borrowers from high-risk applicants.
• Challenge lending practices and recommend improvements supported by evidence.
• Analyze loan performance, repayment trends, arrears and collections.
• Maintain operational reports and dashboards.
• Identify trends, risks and opportunities within the loan portfolio.
• Use Excel and other analytical tools to turn raw data into actionable insights.
• Monitor loan repayments and identify early warning signs of default.
• Analyze reasons for missed payments and suggest improvements to collections.
• Evaluate the effectiveness of lending policies and processes.

Skills

Analytical ability

Excel

Communication skills

Reliability

Education

LLB, Credit Risk, Finance, Economics, Statistics or related degree

Tools

Excel

Job description

Industry: Fintech | Digital Micro-Lending

Location: South Africa

Position: Graduate Internship – Credit Risk, Data Analytics & Operations

CREDIT RISK & DATA ANALYTICS INTERN

Company: LendGo (Pty) Ltd

Industry: Fintech | Digital Micro-Lending

Location: South Africa

Position: Graduate Internship – Credit Risk, Data Analytics & Operations

Experience: Recent graduates / Entry-level

About LendGo

LendGo is a growing South African digital lending company focused on providing responsible, accessible and efficient financial solutions.

We are building a technology-driven lending business where data, sound judgment, innovation and accountability drive our decisions.

We are looking for an exceptional graduate who wants more than just an internship. This is an opportunity to gain hands‑on experience in credit risk, financial analysis, lending operations and business growth while working closely with the leadership team.

We hire for attitude, character and potential. Skills can be taught. Integrity, curiosity, ownership and the willingness to learn must come from you.

Key Responsibilities

1. Credit Risk & Decisioning

• Analyse loan applications, credit bureau reports and bank statements to assess affordability and repayment risk.
• Support the development and improvement of data-driven credit approval rules.
• Identify patterns that distinguish reliable borrowers from high-risk applicants.
• Challenge existing lending practices and recommend improvements supported by evidence.

2. Data Analytics & Reporting

• Analyse loan performance, repayment trends, arrears and collections.
• Maintain accurate operational reports and dashboards.
• Identify trends, risks and opportunities within the loan portfolio.
• Use Excel and other analytical tools to turn raw data into actionable business insights.

3. Collections & Portfolio Growth

• Monitor loan repayments and identify early warning signs of default.
• Analyse reasons for missed payments and recommend improvements to collections.
• Support initiatives to improve approval quality, collections performance and sustainable loan‑book growth.
• Evaluate the effectiveness of lending policies and operational processes.

4. Business Operations & Continuous Improvement

• Support daily lending operations and customer‑related processes.
• Identify inefficiencies and propose practical solutions.
• Research industry developments, regulatory requirements and emerging financial technologies.
• Take ownership of assigned tasks and deliver accurate work within agreed deadlines.

Minimum Requirements

• Recently completed an LLB, Credit Risk, Finance, Economics, Statistics or related degree.
• Strong analytical ability and confidence working with numbers and data.
• Good working knowledge of Microsoft Excel.
• Excellent written and verbal communication skills.
• Access to reliable internet connectivity and a suitable environment for productive work.
• Dependable, punctual and able to consistently meet commitments.

The Person We're Looking For

Your attitude and character will set you apart.

We are particularly interested in someone who demonstrates:

• Fast learner: You absorb new information quickly, ask intelligent questions and apply what you learn.
• Analytical thinker: You question assumptions, investigate problems and use evidence rather than guesswork.
• Data-driven mindset: You are comfortable working with numbers and using data to support decisions.
• Challenges the status quo: You are not afraid to question existing processes and suggest better approaches.
• Strong work ethic: You are willing to go the extra mile, take initiative and deliver results without constant supervision.
• High integrity: You are honest, trustworthy and responsible when handling confidential financial and customer information.
• Ownership mentality: You take accountability for your work and follow through until tasks are completed.
• Resilience: You remain focused under pressure, respond positively to feedback and persist through difficult problems.
• Growth mindset: You are ambitious, curious and genuinely interested in building a career in fintech and credit risk.

We are not necessarily looking for the graduate with the highest marks. We are looking for the graduate with the strongest character, curiosity, discipline and determination to succeed.

What You'll Gain

• Practical experience in South Africa's digital lending and fintech industry.
• Exposure to real-world credit decisioning, affordability assessments and portfolio analytics.
• Hands‑on experience analysing lending and collections data.
• Direct exposure to business leadership and operational decision‑making.
• Opportunities to contribute ideas that directly influence business performance.
• Potential for longer‑term career opportunities based on performance and business requirements.