Junior Credit Analyst – Fintech Underwriting & Insights

Quona Capital; Cape Town; On-site; ZAR 320,000 - 460,000; Full time

Job summary

Quona Capital is seeking a Junior Credit Analyst to join the Credit Underwriting team in Cape Town. You will support the credit approval process by evaluating client data and risks, preparing notes, and collaborating with the credit team to drive efficient decision-making.

The role emphasizes enhancing the lending platform understanding, tackling multiple tasks, and delivering exceptional customer experience while maintaining accuracy in all activities.

Qualifications

• Matric certificate or equivalent.
• Bachelor's degree in Commerce in Administration, Operations or Finance.
• 2–3 years experience in a credit environment, preferably for a financial institution.
• Familiar with CRM tools such as Zendesk.
• Ability to multitask with accuracy.
• Passionate about delivering customer experience beyond expectations.

Responsibilities

• Evaluating clients’ credit data and financial data to determine risk and guide lending decisions.
• Preparing basic notes about the degree of risk in lending money to clients (credit ticketing).
• Collaborate with credit management to maintain high-quality decision-making and improve portfolio performance.
• Generate ideas and solutions to meet customer needs and ensure satisfaction.
• Handle multiple ad-hoc tasks daily with high accuracy.
• Limit customer contact to streamline in-progress credit applications and overrides when needed.
• Demonstrate understanding of the credit lifecycle, including collection processes.
• Develop a deep understanding of our lending platform to support decision-making.
• Engage in other ad-hoc projects to support team objectives.

Skills

Credit analysis

Risk assessment

CRM tools

Multitasking

Customer experience

Data evaluation

Process improvement

Credit lifecycle

Education

Bachelor's degree in Commerce (Administration/Operations/Finance)

Tools

Zendesk

Job description

Quona Capital is seeking a Junior Credit Analyst to join the Credit Underwriting team in Cape Town. You will support the credit approval process by evaluating client data and risks, preparing notes, and collaborating with the credit team to drive efficient decision-making.

The role emphasizes enhancing the lending platform understanding, tackling multiple tasks, and delivering exceptional customer experience while maintaining accuracy in all activities.