BCA Credit Analyst

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 optimising 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.

Key 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 tertiary diploma or degree in Finance, Accounting, Economics, or Business is advantageous.
• Previous experience or a demonstrated interest in Commercial/SME credit is ideal.
• Exceptional attention to detail while maintaining a fast-paced, efficient workflow.
• Strong numeracy skills with the ability to analyse financial data and draw logical conclusions.
• A proactive individual who can manage their own tasks and thrives in a dynamic environment.
• Assist in implementing enhancements to the credit underwriting workflow.
• Excellent interpersonal and communication skills for building stakeholder relationships.
• Dedicated to delivering a customer experience that exceeds expectations.