BCA Credit Analyst

Cape Town - South Africa

Monthly Salary: Not Disclosed

Posted on: 20 hours ago

Vacancies: 1 Vacancy

Job Summary

Lula is hiring a Business Cash Advance (BCA) Credit Analyst to join our Credit Underwriting this role youll play a pivotal part in optimizing our approval process. If youre a Credit Analyst with a passion for fintech and a drive for efficiency without compromising standards wed 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 Were 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.

Required Experience:

Lula is hiring a Business Cash Advance (BCA) Credit Analyst to join our Credit Underwriting this role youll play a pivotal part in optimizing our approval process. If youre a Credit Analyst with a passion for fintech and a drive for efficiency without compromising standards wed love to hear from yo...

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 Were 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.

Required Experience:

Key Skills

Financial Statement Preparation
Credit Analysis
Cash Flow Analysis
Math
Banking
Analysis Skills
UCC Law
Underwriting
Financial Analysis
Financial Modeling
Financial Report Interpretation
Word Processing

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About Company

Lula

OVERALL PURPOSE We're looking for a newly qualified CA(SA) to join Lula as a Financial Accountant. The Financial Accountant ensures accurate, timely, and compliant financial reporting in a fast-paced fintech environment. This role manages day-to-day accounting, period-end close, intan ... View more

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