Junior Commercial Credit Analyst — Fintech Underwriting

Quona Capital; Cape Town; On-site; ZAR 240,000 - 360,000; Full time

Job summary

Lula is seeking a Commercial Credit Analyst to join our growing fintech team in Cape Town. The role centers on underwriting credit, analyzing financial data, and collaborating with internal stakeholders to manage credit risk and exposure.

You will engage with clients, verify financial information, and prepare risk assessments while developing your skills in a fast-paced startup setting. A BCom degree and strong numerical abilities are essential to succeed.

Qualifications

• BCom degree in Finance, Accounting, Economics or equivalent.
• Ideally some commercial/SME credit experience.
• Strong numerical and analytical abilities.
• Commitment to delivering customer experience beyond expectations.
• Excellent problem-solving skills and attention to detail.
• Adaptive, resilient team player in a startup environment.

Responsibilities

• Engage with clients to verify financial/credit transactions and request information as needed.
• Evaluate clients’ credit and financial data to assess risk in lending money.
• Prepare notes describing levels of risk in lending decisions.
• Analyze client records to support recommended outcomes.
• Interpret financial ratios from proprietary programs to assess financial status.
• Support other departments in managing credit exposure and orders.
• Understand the lending platform and origination module.
• Collaborate with Head of Credit Underwriting and Credit Manager on escalations.
• Identify and formulate solutions to meet customer needs and strategic requirements.
• Stay updated on technology and industry developments affecting the portfolio.
• Monitor the portfolio and assist with ad-hoc projects as needed.

Skills

Numerical ability

Analytical skills

Problem-solving

Attention to detail

Influencing skills

Team player

Education

BCom Degree (Finance, Accounting, Economics or equivalent field)

Job description

Lula is seeking a Commercial Credit Analyst to join our growing fintech team in Cape Town. The role centers on underwriting credit, analyzing financial data, and collaborating with internal stakeholders to manage credit risk and exposure.

You will engage with clients, verify financial information, and prepare risk assessments while developing your skills in a fast-paced startup setting. A BCom degree and strong numerical abilities are essential to succeed.