WHAT WE DO We're Lula. We build innovative fintech products to help SMEs make cash flow. From instant access to funding to all-in-one business banking accounts and cutting-edge financial analysis tools, we're on it!
Our purpose is to help SMEs manage their business better, faster, simpler, Lula, so they can spend more time doing what they love.
Speaking of love, we're looking for Lulas who love to make a difference to join our team and change the game.
WHY WE DO IT We care about our family, our work, our community, our country.
We're passionate about EMPOWERING EVERY SME TO SUCCEED.
And to do it, we're BUILDING THE NEXT GENERATION OF FINTECH PRODUCTS TO HELP SMES MAKE CASH FLOW.
Why? Because the more businesses that succeed, the more jobs, money, and opportunities for all South Africans - including Y.O.U.
So get curious.
Rise to the challenge.
Don't settle for average.
Shoot for amazing.
We're here to change the game, the norm, the world,
Because when we change something for the better, we change ourselves too.
You are.
We are.
Lula
OUR VALUES Collaborative - we're a clan and work together as a team, always towards a common goalCommitted - we're accountable and follow through no matter the challengeCurious - we look for better ways to do things and make a positive differenceConnected - we stay close to, learn from and look to understand each other and our customersCompassionate - we go out of our way to care about our colleagues, our customers and our communityOVERALL PURPOSE This is a fantastic opportunity for a Graduate looking to work in a growing fintech business. The Commercial Credit Analyst position looks after our credit underwriting process, and relies on a combination of analytical and numerical know-how, as well as the ability to liaise and deal with customers regularly.
Responsibilities include but are not limited to: Engaging with clients to verify their financial/credit transactions, business performance and request additional information where need beEvaluating clients' credit data and financial data in order to determine the degree of risk involved in lending money to themPreparing notes about the degree of risk in lending money to clientsAnalysing client records and using the data to recommend outcomesEvaluating the financial status of clients by interpreting financial ratios produced by proprietary programsHelping supply chain and Sales and Marketing departments in managing financial orders to help them control credit exposureUnderstanding the lending platform in its entirety with special focus on the origination moduleWorking closely with the Head of Credit Underwriting and Credit Team Leader on issue escalation, ensuring customer problems are tracked, resolved and followed-up onUsing ideas and solutions to meet customer needs ensuring that their expressed and underlying needs are satisfiedUnderstanding and keeping up to date on the latest technology developments and technical issues affecting your accountsRunning other key operational tasks linked to the monitoring of the portfolio on book on a regular basisAny other ad-hoc projects required to assist the team THE COMPETENCIES WE'RE AFTER Excellent problem-solving skillsHighly organised with strong attention to detailExcellent influencing skillsResilience Fun-loving, team-player - you enjoy helping your team members out, and will step up to assist even when your work is doneStart-up mentality - you understand we are all in this togetherTHE SKILLS AND EXPERIENCE WE'RE LOOKING FOR Matric/ grade 12 certificate or equivalent achievedCompleted finance/ accounting/ economics degree or equivalentIdeally you will have some commercial/SME credit experienceStrong numeracy abilitiesPassionate about delivering customer experience above and beyond customer expectations
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