BCA Credit Analyst

3 days ago

Cape Town, Western Cape, South Africa Lula Full time

Lula is hiring a
Business Cash Advance (BCA) Credit Analyst
to join our Credit Underwriting team. In this role, you'll play a pivotal part in optimizing our approval process. If you're a Credit Analyst with a passion for fintech and a drive for efficiency without compromising standards, we'd love to hear from you

Responsibilities

  • Credit Application Processing: Engage with clients and partners to verify financial transactions and business performance, requesting supplementary data when necessary to ensure a complete profile.
  • Financial Evaluation: Analyse credit and financial data to determine risk levels and recommend data-driven outcomes for business applicants.
  • Risk Documentation (Credit Ticketing): Prepare concise, detailed credit memos and risk notes summarizing the degree of risk associated with specific lending opportunities.
  • Mandate Approval: Evaluate and approve credit applications within assigned authority limits to ensure timely funding for clients.
  • Issue Management: Coordinate with the Head of Credit Underwriting and Collections to track, escalate, and resolve merchant-related issues effectively.
  • Portfolio Optimisation: Collaborate with credit management to enhance decision-making processes, improving both portfolio performance and turnaround times.
  • Product & Platform Mastery: Develop deep proficiency in the Lula lending platform to ensure efficient decision-making and optimal use of internal tools.
  • Full Lifecycle Awareness: Maintain a solid understanding of the end-to-end credit lifecycle, including the intersection of underwriting and collection processes.
  • Strategic Problem Solving: Proactively generate solutions to meet both the expressed and underlying needs of the customer while strictly adhering to credit metrics.
  • Dynamic Operations: Manage ad-hoc projects and diverse tasks daily, maintaining high accuracy in a fast-paced environment.

The Experience & Skills We're Looking For

  • Matric certificate (or equivalent) required.
  • A degree in Finance, Accounting, Economics, or Business is advantageous.
  • Previous experience in Commercial or SME credit is ideal.
  • Exceptional attention to detail while maintaining a fast-paced, efficient workflow.
  • Strong numeracy skills to interpret complex financial data and make informed decisions.
  • A self-managed individual who takes initiative and thrives in a dynamic, evolving environment.
  • Ability to drive change and implement improvements to the underwriting process.
  • Excellent interpersonal and communication skills for building stakeholder relationships.
  • Dedicated to delivering a customer experience that exceeds expectations.

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