Lulalend

Senior Credit Risk Analyst

Direct Marketing Specialist

Software Engineer, Product Owner, Quality Engineer, DevOps Engineer, Site Reliability Engineer, or Data Engineer

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The Lead Credit Strategy Analyst is responsible for defining and executing credit risk policies and strategies to optimize profit across the credit lifecycle. This includes identifying growth opportunities, leading analytical projects, and ensuring credit policies are optimized for both performance and compliance. The candidate will work closely with cross-functional teams to develop and implement automated credit decisioning strategies, continuously evaluate data-driven strategies for funding decisions, and provide input to enhance existing processes. They will also stay updated with AI/ML trends and methodologies, collaborate with the Product team, and mentor analysts. Overall, the analyst will be responsible for driving data-driven profit optimization across the credit lifecycle for SMEs.

Senior DevOps Engineer

Job title: Lead Credit Strategy Analyst Reporting to: Head of Credit Data Science Location: Cape Town, South Africa 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 FinTech 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 <ul><li>We Embrace Curiosity- We continuously seek better ways to deliver value with a solutions-over-problems mindset.</li></ul> <ul><li>We win as One - We collaborate, build strong relationships and value diverse perspectives</li></ul> <ul><li>We’re Driven by Purpose - We are passionate and committed to delivering the best products and services for SMEs</li></ul> <ul><li>We Execute with Ambition - We set ambitious goals, embrace challenges, and deliver with focus and determination.</li></ul> OVERALL PURPOSE The Lead Credit Strategy Analyst is responsible for the analytical execution of the definition of credit risk policies, credit risk strategies and credit risk optimisation. This role is the analytical lead defining Lula’s risk appetite, return hurdles, credit risk policies, affordability assessment, strategy design, test frameworks, offer terms and ultimately profit optimisation across the credit lifecycle. The successful candidate will work closely with cross-functional teams, including the Credit Modelling Lead, Credit Underwriting, Portfolio Management, Collections, Business Development, Finance, and Data Engineering, to ensure that credit policies and strategies are optimised for both performance and compliance. Responsibilities will include: <ul><li>Identifying expansion opportunities to grow the portfolio profitably / profit optimisation opportunities.</li><li>Leading analytical projects to define credit policies, strategies, affordability assessments, offers (terms of business) and test frameworks across the credit lifecycle.</li><li>Executing data driven profit optimisation decisions across the credit lifecycle.</li><li>Working with the Data Science, Credit Underwriting, Collections and Portfolio Management teams to execute data-driven insights / strategies.</li><li>Accountability for the implementation and performance of automated credit decisioning strategies (across multiple products, including Merchant Cash Advance and revolving credit for SMEs) in line with KPIs and Business Strategy.</li><li>Continuously evaluating and developing data driven strategies to support funding decisions (credit risk, affordability, pricing, delinquency, and fraud detection).</li><li>Providing input to enhance existing processes, identifying new opportunities within credit and collections teams.</li><li>Staying updated with AI/ML trends and methodologies to identify emerging credit risks and opportunities.</li><li>Working closely with Data Engineering to ensure required data for credit modelling, data driven strategy development and reporting is available.</li><li>Collaborating with the Product team to prioritise and implement strategy changes.</li><li>Leading and mentoring analysts within the Credit Data Science team, for assigned projects.</li></ul> THE COMPETENCIES WE’RE AFTER <ul><li>Strategic thinker with the ability to align model development to business goals.</li><li>Strong analytical leadership and team-building capabilities.</li><li>Excellent communication skills, with the ability to present complex data insights to non-technical stakeholders.</li><li>High attention to detail.</li><li>Passion for innovation and staying ahead of emerging trends in data science and credit risk strategy design.</li><li>A self-starter, able to take initiative and drive analytical projects from concept to implementation while ensuring usability across teams.</li></ul> THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR <ul><li>Bachelor’s or Master’s in Commerce, Data Science, Statistics, Mathematics, or a related quantitative field.</li><li>4+ years of experience in data science, credit risk strategy analytics, or related roles within financial services, ideally in lending or fintech.</li><li>Proven experience leading credit risk strategy analytics projects to implementation in a data-driven environment.</li><li>Proficiency in programming languages like Python, R, and SQL.</li><li>Experience working with credit risk and decisioning platforms.</li><li>Knowledge of cloud-based environments and large data systems (AWS, Azure, etc.).</li></ul> Please note that all appointments are subject to our background checking process, which may include Credit, Criminal and any other job inherent checks.

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As a Graduate at HP South Africa, you will be exposed to roles across Sales, gaining a clear strategic vision of the printing and computing markets. You will be an active member of the South-Central Africa Commercial Organization team, assisting customers and partners to advance their business with the HP portfolio (Printing and Personal Systems products, Services and Solutions). Within the program, you can create your own development plan and enhance soft skills through sales and leadership training. The program will help you connect with brilliant people who help you perform at your best and work with a team that's passionate about developing solutions. It is a 1-year contract where you can apply your academic knowledge.

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Graduate Program HP South AfricaDescription -Please note, this is a general listing and may not have an immediate opening. We will contact candidates who best meet the job requirements as such openings arise.As a Graduate at HP South Africa, you will be exposed to roles across Sales, having the opportunity to gain a clear strategic vision of the printing and computing markets. You will be an active member of the South-Central Africa Commercial Organization team, helping our customers and partners to take their business to the next level with the HP portfolio (Printing and Personal Systems products, Services and Solutions).Within the program you will be able to create your own development plan and enhance your soft skills through sales and leadership trainings, on-the-job stretch assignments, feedback sessions, and coaching with world class IT leaders.As a recent graduate, at HP you can expect to connect with brilliant people who help you perform at your best and work with a team that’s as passionate about solving challenges as it is about developing solutions.Please note that our Graduate Program starts on 1 October 2025 with no flexibility on joining date.Among your talents, do you have...? <ul><li>A university degree in Business Administration, Marketing, Economics, or a related field, obtained within the last 12 months.</li><li>A passion for technology and innovation.</li><li>Self-motivation and a willingness to learn new skills.</li><li>Creativity, proactiveness, and strong interpersonal skills.</li><li>Excellent communication, negotiation, and presentation abilities.</li><li>Advanced knowledge of Excel and PowerPoint.</li></ul>Do you aspire to make a significant impact?Embark on your journey by redefining the best practices that other companies admire. Join us and take advantage of:<ul><li>A competitive 1-year contract to kickstart your career (initial graduate program duration) within the diverse South-Central Africa Commercial Sales Organization, where you can apply your academic knowledge.</li><li>In-company development programs and platforms.</li><li>Opportunities for international and cross-functional exposure.</li><li>Future development prospects to build your career across various businesses and functions.</li></ul>Preference will be given to members from designated groups, i.e. EE in accordance with the Employment Equity Act. However, this does not suggest that the process of recruitment excludes members from non-designated groups.&nbsp;#LI-POSTJob -Sales OperationsSchedule -Full timeShift -No shift premium (South Africa)Travel -Relocation -Equal Opportunity Employer (EEO) -&nbsp;HP, Inc. provides equal employment opportunity to all employees and prospective employees, without regard to race, color, religion, sex, national origin, ancestry, citizenship, sexual orientation, age, disability, or status as a protected veteran, marital status, familial status, physical or mental disability, medical condition, pregnancy, genetic predisposition or carrier status, uniformed service status, political affiliation or any other characteristic protected by applicable national, federal, state, and local law(s).Please be assured that you will not be subject to any adverse treatment if you choose to disclose the information requested. This information is provided voluntarily. The information obtained will be kept in strict confidence.If you’d like more information about HP’s&nbsp;<a href="https://www8.hp.com/h20195/v2/GetDocument.aspx?docname=c08129225" target="_blank" rel="noopener noreferrer">EEO Policy</a>&nbsp;or your EEO rights as an applicant under the law, please click here:&nbsp;<a href="http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf" target="_blank" rel="noopener noreferrer">Equal Employment Opportunity is the Law</a>&nbsp;<a href="https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf" target="_blank" rel="noopener noreferrer">Equal Employment Opportunity is the Law – Supplement</a>

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