Chief of Credit Analytics

1 month ago


Cape Town, Western Cape, South Africa Lula Full time

Lula is an innovative and human-focused FinTech company on a mission to help small businesses optimise their cash flow.

We're making business banking fast, human, Lula.

The estimated salary for this role is around R1,200,000 per annum, based on the location and industry standards.

Job Overview

This is an exciting opportunity to join our team as the Chief of Credit Analytics. As the Head of Credit Data Science, you will be responsible for leading the design, development, and improvement of credit models, scorecards, and analytics tools to enhance Lula's automated credit decisioning systems.

You will work closely with cross-functional teams, including Credit Underwriting, Portfolio Management, Finance, and Data Engineering, to ensure that credit models are optimised for both performance and compliance.

Main Responsibilities
  • Develop and execute a strategic roadmap for credit automation aligned with business objectives.
  • Collaborate with the Credit Management team to define vision and goals for credit automation initiatives.
  • Identify expansion opportunities to grow the portfolio profitably.
  • Work with the Head of Credit Underwriting and Portfolio Manager to combine data-driven insights with credit knowledge.
  • Accountable for the implementation and performance of automated credit decisioning models (across multiple products, including Merchant Cash Advance and revolving credit for SMEs) in line with KPIs and Business Strategy.
  • Monitor and enhance automated credit decisioning models and ensure necessary improvements.
  • Implement and monitor controls to mitigate potential risks associated with automated credit decisions.
  • Ensure accurate and timely reporting on the performance of automated products.
Requirements

To succeed in this role, you will need:

  • Grade 12 achieved
  • Bachelor's or Master's in Data Science, Statistics, Mathematics, or a related quantitative field.
  • Advanced degree (PhD) preferred but not required.
  • 10+ years of experience in data science, analytics, or related roles within financial services, ideally in lending or fintech.
  • Proven experience leading teams and driving strategic initiatives to implementation in a data-driven environment.
  • Significant experience in the implementation of credit risk models, scorecards together with previous accountability for the performance of these models in the credit context.
Why Join Us?

Lula offers a dynamic and inclusive work environment, with a focus on innovation and excellence. You will have the opportunity to work with a talented team of professionals who share your passion for data science and credit automation.

We believe in empowering our employees to drive change and achieve their goals. We offer a competitive salary and benefits package, as well as opportunities for professional growth and development.



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