Credit & Pricing Analyst
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Job Location:
Cape Town - South Africa
Monthly Salary:
$ 2500 - 5000
Posted on:
13 hours ago
Vacancies:
1 Vacancy
Department:
Job Summary
If your academic record reads like a fairy tale and you will thrive in a fast-paced mission led environment take a closer look! In addition to fulfilling a key role to achieve sustainable profitability you will earn in US dollars while working in a flexible hybrid model based in the heart of Cape Town.
You will report to the Group Head of Credit and take ownership of the analytical engine that drives credit and pricing strategies.
You will report to the Group Head of Credit and take ownership of the analytical engine that drives credit and pricing strategies.
The Company:
A rapidly growing African scale-up improving everyday lives by providing access to solar energy and smartphones through innovative financing in-house technology and broad distribution networks across the continent.
Whats in it for you
You will join a purpose-led business that combines the stability of a large organisation with the agility of a small team where you are trusted with meaningful responsibility from Day 1 in a high-expectation high-support culture. Enjoy additional benefits such as share options travel opportunities hybrid flexibility and annual team retreats.
Your Responsibilities
A rapidly growing African scale-up improving everyday lives by providing access to solar energy and smartphones through innovative financing in-house technology and broad distribution networks across the continent.
Whats in it for you
You will join a purpose-led business that combines the stability of a large organisation with the agility of a small team where you are trusted with meaningful responsibility from Day 1 in a high-expectation high-support culture. Enjoy additional benefits such as share options travel opportunities hybrid flexibility and annual team retreats.
Your Responsibilities
- Drive Profitability Through Data:Develop monitor and refine 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:You will not stay in a spreadsheet. Youll be expected to own business outcomes understand the second-order effects of your models on sales and underwriting teams and do work beyond pure analysis to make things happen.
- Education:Bachelors or Honours degree in Actuarial Science Statistics Data Science Mathematics or a related quantitative field.
- Technical Skills:
- Strong proficiency inSQLfor data extraction and manipulation.
- Advanced skills inPythonorRfor 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 highlycommercial mindsetwith a focus on business impact. Excellent communication skillsyou must be able to explain complex quantitative concepts to non-technical stakeholders. C
- Combineshigh intellectual horsepowerwith a practical hands-on approach.
- Must have an adventurous spirit and be willing to travel to operating countries to engage directly with local teams and understand on-the-ground realities.
- Experience:2-5 yearsof relevant experience in a credit risk pricing or data science role preferably within fintech lending or financial services.
- A USD-denominated monthly salary between $2500 $5000 converted to ZAR (Offer will be market related based on qualifications skills and experience)
Required Experience:
IC
Key Skills
- Inventory Control
- Microsoft Access
- Math
- Pivot tables
- Pricing
- Analysis Skills
- Computer Literacy
- Cost Accounting Standards
- Microsoft Excel
- Financial Analysis
- Contracts
- Analytics
