Junior Credit Analyst

Lulalend; Cape Town; On-site; ZAR 180,000 - 280,000; Full time

Job summary

Lulalend is seeking a Junior Credit Analyst to support and optimise the credit underwriting process in Cape Town. You will evaluate client data, prepare risk notes, and work with the credit management team to improve decision-making and portfolio performance.

The role focuses on customer-centric credit assessments, platform understanding, and ad-hoc projects to support team objectives in a fintech environment.

Qualifications

• Matric or equivalent qualification.
• B.Com in Administration/Operations/Finance.
• 2–3 years in a credit environment preferred.
• CRM tools experience, Zendesk beneficial.

Responsibilities

• Evaluate existing client data to assess risk and inform credit decisions.
• Prepare basic notes about risk when lending to clients (credit ticketing).
• Collaborate with credit management to improve decision-making and portfolio performance.
• Generate ideas to meet customer needs and ensure underlying needs are met.
• Handle multiple tasks daily with accuracy.

Skills

Multitasking

Customer-focused

CRM experience

Education

Matric certificate

Bachelor of Commerce in Administration, Operations or Finance

Tools

Zendesk

Job description

Lula is looking for a Junior Credit Analyst to join our Credit Underwriting team. You will play an integral role in supporting and optimising our credit approval process. If you are passionate about fintech and have a desire to drive efficiency while maintaining high standards, we'd love to hear from you.

Key Responsibilities

• Evaluating Existing Client Data: Evaluating clients’ credit data and financial data in order to determine the degree of risk involved in lending money to them and using the data to recommend outcomes for existing clients to access their available capital facilities
• Credit Ticketing: Preparing basic notes about the degree of risk in lending money to clients
• Collaboration and continuous improvement: Work closely with the credit management team to maintain and enhance high-quality decision-making processes, with a focus on improving overall portfolio performance
• Idea Generation:Using ideas and solutions to meet customer needs ensuring that their expressed and underlying needs are satisfied
• Multitasking: Exhibit the ability to handle various ad-hoc tasks on a daily basis while maintaining a high level of accuracy
• Customer-Centric: Limited involvement with customers to streamline their in-progress credit applications. Contacting clients to do any credit underwriting overrides when needed
• Credit Lifecycle Expertise: Demonstrate a solid understanding of the credit lifecycle, including collection processes
• Platform Proficiency: Develop a deep understanding of our lending platform to ensure effective decision-making
• Ad-Hoc Projects: Be prepared to engage in other ad-hoc projects as needed to support the team's objectives

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• Matric certificate or equivalent
• Bachelors of Commerce in Administration, Operations or Finance
• 2-3 years experience working in an credit environment (preferably for a financial institution) would be advantageous
• Familiar with working on CRM tools (such as Zendesk) would be advantageous
• Experience in being able to handle multiple tasks concurrently
• Passionate about delivering customer experience above and beyond customer expectations