Commercial Credit Analyst

Lula

Cape Town, Western Cape
Permanent
Full-time

2 months ago

WHAT WE DOWe're Lula. We build innovative fintech products to help SMEs make cash flow. From instant access to funding to all-in-one business banking accounts and cutting-edge financial analysis tools, we're on it!Our purpose is to help SMEs manage their business better, faster, simpler, Lula, so they can spend more time doing what they love.Speaking of love, we're looking for Lulas who love to make a difference to join our team and change the game.WHY WE DO ITWe care about our family, our work, our community, our country.We're passionate about EMPOWERING EVERY SME TO SUCCEED.And to do it, we're BUILDING THE NEXT GENERATION OF FINTECH PRODUCTS TO HELP SMES MAKE CASH FLOW.Why? Because the more businesses that succeed, the more jobs, money, and opportunities for all South Africans - including Y.O.U.So get curious.Rise to the challenge.Don't settle for average.Shoot for amazing.We're here to change the game, the norm, the world,Because when we change something for the better, we change ourselves too.You are.We are.LulaOUR 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 PURPOSEThis 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

Lula

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