Overview
Commercial Credit Analyst Jobs in Cape Town, South Africa at Lula
Job title:Commercial Credit Analyst
Reporting to: Credit Team Lead
Location: Cape Town
ALL STAFF APPOINTMENTS WILL BE MADE WITH DUE CONSIDERATION OF THE COMPANY’S EE TARGETS
WHAT WE DO
Lula is an innovative and human-focused Fin Tech company on a mission to help small businesses optimise their cash flow. Our purpose is to help SMEs manage their businesses better, faster, and more simply, so they can spend more time doing what they love.
If you’re looking for a new place to call ‘home’ that believes in the potential of the broader SME landscape in South Africa and a place where you’ll work with awesome people – then Lula’s the place for you!
We’re making business banking fast, human, Lula
CULTURE CODE
We Embrace Curiosity- We continuously seek better ways to deliver value with a solutions-over-problems mindset.
We win as One – We collaborate, build strong relationships and value diverse perspectives
We’re Driven by Purpose – We are passionate and committed to delivering the best products and services for SMEs
We Execute with Ambition – We set ambitious goals, embrace challenges, and deliver with focus and determination.
OVERALL PURPOSE
This is a fantastic opportunity for a Graduate looking to work in a growing fintech business. The Commercial Credit Analyst position looks after our credit underwriting process, and relies on a combination of analytical and numerical know-how, as well as the ability to liaise and deal with customers regularly.
Responsibilities include but are not limited to:
Engaging with clients to verify their financial/credit transactions, business performance and request additional information where need be
Evaluating clients’ credit data and financial data in order to determine the degree of risk involved in lending money to them
Preparing notes about the degree of risk in lending money to clients
Analysing client records and using the data to recommend outcomes
Evaluating the financial status of clients by interpreting financial ratios produced by proprietary programs
Helping supply chain and Sales and Marketing departments in managing financial orders to help them control credit exposure
Understanding the lending platform in its entirety with special focus on the origination module
Working closely with the Head of Credit Underwriting and Credit Team Leader on issue escalation, ensuring customer problems are tracked, resolved and followed-up on
Using ideas and solutions to meet customer needs ensuring that their expressed and underlying needs are satisfied
Understanding and keeping up to date on the latest technology developments and technical issues affecting your accounts
Running other key operational tasks linked to the monitoring of the portfolio on book on a regular basis
Any other ad-hoc projects required to assist the team
THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR
Matric/ grade 12 certificate or equivalent achieved
Completed finance/ accounting/ economics degree or equivalent
Ideally you will have some commercial/SME credit experience
Strong numeracy abilities
Passionate about delivering customer experience above and beyond customer expectations
THE COMPETENCIES WE’RE AFTER
Excellent problem-solving skills
Highly organised with strong attention to detail
Excellent influencing skills
Resilience
Fun-loving, team-player – you enjoy helping your team members out, and will step up to assist even when your work is done
Start-up mentality – you understand we are all in this together
Please note that all appointments are subject to our background checking process, which may include Credit, Criminal and any other job inherent checks
Title: Commercial Credit Analyst
Company: Lula
Location: Cape Town, South Africa
Category: Finance & Banking (Financial Analyst, Banking & Finance, Risk Manager/Analyst)
