Credit & Pricing Analyst

Cape Town - South Africa

Monthly Salary: Not Disclosed

Posted on: 30+ days ago

Vacancies: 1 Vacancy

Job Summary

Our client is an innovative pay-as-you-go solar startup. They make life better for everyday households in Africa where they build amazing tech to help bring access to energy internet and opportunity to people who otherwise wouldnt. Our client is a dynamic hardworking team that values flexibility and focuses on results over office hours. They are resourceful and budget-conscious whether they are traveling or working. They believe in resilience self-reliance and long-term sustainability. With our client your career growth is driven by your ambitions from expanding your role to exploring new areas of the business.

Location: Cape Town South Africa

Work Type: Hybrid

Job Type: Full time/Permanent

Requirements

Education: Bachelors or Honours degree in Actuarial Science Statistics Data Science Mathematics or a related quantitative field.
Technical Skills: Strong proficiency in SQL for data extraction and manipulation. Advanced skills in Python or R for statistical analysis modelling and data visualization (e.g. scikit-learn pandas seaborn). Experience in building and maintaining credit scorecards pricing models or complex financial forecasts. Familiarity with data visualization or dashboarding tools (e.g. Tableau Power BI) is a plus.
Soft Skills: Strong analytical and problem-solving abilities. A highly commercial mindset with a focus on business impact. Excellent communication skillsyou must be able to explain complex quantitative concepts to non-technical stakeholders. Combines high intellectual horsepower with a practical hands-on approach. Must have an adventurous spirit and be willing to travel to our operating countries to engage directly with local teams and understand on-the-ground realities.
Experience: 2-5 years of relevant experience in a credit risk pricing or data science role preferably within fintech lending or financial services.

Skills Required

SQL
Python or R
Statistical Modelling
Credit Risk Analysis
Financial / P&L Modelling

Responsibilities

As a Credit & Pricing Analyst with our you will be at the center of our mission to achieve sustainable profitability. You will report to the Group Head of Credit and take ownership of the analytical engine that drives our credit and pricing strategies. You will:
Drive Profitability Through Data: Develop monitor and refine our pricing models to consistently achieve profitability targets. You will model the P&L impact of changes to pricing credit policies and commission structures.
Credit Performance Forecasting: Build and maintain models to forecast key credit metrics including repayment rates and portfolio losses. Your forecasts will be a critical input for financial planning and strategic decisions.
Enhance our Credit Risk Models: Analyse diverse customer and behavioural datasets to build backtest and improve our automated credit scoring and risk-bucketing systems.
Explore New Opportunities: Explore test and prototype new analytical models and data-driven projects to uncover opportunities for improving business performance and customer outcomes.
Deliver Actionable Analysis: Go beyond just building models. You will investigate portfolio trends identify drivers of good and bad performance and provide clear actionable recommendations to in-country teams.
Own Commercial Outcomes: Being an analyst with our client is not about staying in a spreadsheet. Youll be expected to own business outcomes understand the second-order effects of your models on our sales and underwriting teams and do work beyond pure analysis to make things happen.

Additional benefits:

Great offices at the V&A Waterfront
Opportunity to participate in their ESOP within your first year
Exciting travel to the countries we operate in
Hybrid flexibility: spend at least half your time at office you decide when
Annual team retreats
Flexible paid time off

Why work with our client

Our client offers the stability of a large company with the culture of a tight-knit start-up. While our client employs more than 1000 people across the continent the core management team in Cape Town South Africa is an agile talented group of less than 30. No matter your age or level of experience youll be given large responsibilities from Day 1 and expected to be a self-starter and self-teacher. While expectations are high so is the level of support: they foster a culture where colleagues from across the business are eager to support and learn from one another.