Commercial Credit Analyst

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 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!

OUR VALUES

Collaborative - we’re a clan and work together as a team, always towards a common goal

Committed - we’re accountable and follow through no matter the challenge

Curious - we look for better ways to do things and make a positive difference

Connected - we stay close to, learn from and look to understand each other and our customers

Compassionate - we go out of our way to care about our colleagues, our customers and our community

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 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

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