Lead Credit Strategy Analyst
Lead Credit Strategy Analyst
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Job Description
Job title: Lead Credit Strategy Analyst
Reporting to: Head of Credit Data Science
Location: Cape Town South Africa
ALL STAFF APPOINTMENTS WILL BE MADE WITH DUE CONSIDERATION OF THE COMPANYS EE TARGETS
WHAT WE DO
Lula is an innovative and humanfocused 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 youre 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 youll work with awesome people then Lulas the place for you!
Were making business banking fast human Lula!
OUR VALUES
Collaborative were a clan and work together as a team always towards a common goal
Committed were 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
The Lead Credit Strategy Analyst is responsible for the analytical of the definition of credit risk policies credit risk strategies and credit risk optimisation. This role is the analytical lead defining Lulas risk appetite return hurdles credit risk policies affordability assessment strategy design test frameworks offer terms and ultimately profit optimisation across the credit lifecycle.
The successful candidate will work closely with crossfunctional teams including the Credit Modelling Lead Credit Underwriting Portfolio Management Collections Business Development Finance and Data Engineering to ensure that credit policies and strategies are optimised for both performance and compliance.
Responsibilities will include:
- Identifying expansion opportunities to grow the portfolio profitably / profit optimisation opportunities.
- Leading analytical projects to define credit policies strategies affordability assessments offers (terms of business) and test frameworks across the credit lifecycle.
- Executing data driven profit optimisation decisions across the credit lifecycle.
- Working with the Data Science Credit Underwriting Collections and Portfolio Management teams to execute datadriven insights / strategies.
- Accountability for the implementation and performance of automated credit decisioning strategies (across multiple products including Merchant Cash Advance and revolving credit for SMEs) in line with KPIs and Business Strategy.
- Continuously evaluating and developing data driven strategies to support funding decisions (credit risk affordability pricing delinquency and fraud detection).
- Providing input to enhance existing processes identifying new opportunities within credit and collections teams.
- Staying updated with AI/ML trends and methodologies to identify emerging credit risks and opportunities.
- Working closely with Data Engineering to ensure required data for credit modelling data driven strategy development and reporting is available.
- Collaborating with the Product team to prioritise and implement strategy changes.
- Leading and mentoring analysts within the Credit Data Science team for assigned projects.
THE COMPETENCIES WERE AFTER
- Strategic thinker with the ability to align model development to business goals.
- Strong analytical leadership and teambuilding capabilities.
- Excellent communication skills with the ability to present complex data insights to nontechnical stakeholders.
- High attention to detail.
- Passion for innovation and staying ahead of emerging trends in data science and credit risk strategy design.
- A selfstarter able to take initiative and drive analytical projects from concept to implementation while ensuring usability across teams.
THE SKILLS AND EXPERIENCE WERE LOOKING FOR
- Bachelors or Masters in Data Science Statistics Mathematics or a related quantitative field.
- 8 years of experience in data science credit risk strategy analytics or related roles within financial services ideally in lending or fintech.
- Proven experience leading credit risk strategy analytics projects to implementation in a datadriven environment.
- Proficiency in programming languages like Python R and SQL.
- Experience working with credit risk and decisioning platforms.
- Knowledge of cloudbased environments and large data systems (AWS Azure etc..
Please note that all appointments are subject to our background checking process which may include Credit Criminal and any other job inherent checks.
Required Experience:
IC
Employment Type
Full-Time
