Credit Team Leader

7 months ago


Cape Town, South Africa Lula Full time

**WHAT WE DO**

We'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 IT**

We 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.

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**

Join our dynamic fintech company on an exciting journey in the world of credit. Lula is a fast-growing organization with a mission to support South African SMEs. We're looking for a Senior Credit Analyst to join our Credit Underwriting team, where you'll play a pivotal role in optimizing our credit approval process. If you're a Senior Credit Analyst with a passion for fintech and a desire to drive efficiency while maintaining high standards, we'd love to hear from you.

As a Credit Team Lead at Lulalend, your role will involve:

- Collaboration and continuous improvement: Work closely with the credit management team to maintain and enhance high-quality decision-making processes, with a focus on improving overall portfolio performance.
- Training Support: Identify training gaps among analysts and work with the credit management team to address these gaps effectively.
- Multitasking: Exhibit the ability to handle various ad-hoc tasks on a daily basis while maintaining a high level of accuracy.
- Customer-Centric: Generate innovative ideas and solutions to meet customer needs, ensuring their satisfaction while adhering to credit metrics.
- Credit Lifecycle Expertise: Demonstrate a solid understanding of the credit lifecycle, including collection processes.
- Risk Assessment: Provide insights on credit risk and make recommendations for credit improvements, always seeking solutions.
- Process Enhancement: Continuously explore ways to streamline and expedite the approval process while maintaining strong credit quality.
- Platform Proficiency: Develop a deep understanding of our lending platform to ensure effective decision-making.
- Tech Savvy: Stay updated on the latest technology developments and technical issues affecting credit decisions.
- Ad-Hoc Projects: Be prepared to engage in other ad-hoc projects as needed to support the team's objectives.

**THE COMPETENCIES WE'RE AFTER**

As a Credit Team Lead, you should possess the following competencies:

- Problem-Solving: Exhibit exceptional problem-solving skills, with the ability to think outside the box and make quick decisions.
- Organizational Skills: Maintain a high level of organization and attention to detail in your work.
- Influence: Possess excellent influencing skills to contribute effectively to the decision-making process.
- Resilience: Show resilience in the face of challenges and adapt to evolving situations.
- Team Player: Embrace a fun-loving, team-player mindset, always ready to support your colleagues and go the extra mile for the team and Lula.
- Start-up Mentality**:Understand that we're all in this together and be eager to roll up your sleeves and actively contribute to our mission.

**THE SKILLS AND EXPERIENCE WE'RE LOOKING FOR**

To excel in the role of Credit Team Lead at Lula, you should possess the following qualifications and skills:

- Matric/ grade 12 achieved
- Educational Background: A solid finance or business degree is preferable
- Relevant Experience: A minimum of 3 years of experience as a Credit Analyst or similar position, preferably within the financial services industry.
- Target Achievement: A proven track record of consistently meeting and surpassing targets, demonstrating your ability to deliver results.
- Mentorship: Previous experience in mentoring and guiding junior team members, showcasing your leadership and coaching abilities.
- Numerical Proficiency: Exceptionally s


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