Junior Credit Analyst — Fintech Underwriting & Efficiency

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

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.