Lead Credit Strategy Analyst

Lula Cape Town, Western Cape, South AfricaJoin or sign in to find your next jobJoin to apply for the Lead Credit Strategy Analyst role at LulaLula Cape Town, Western Cape, South Africa3 weeks ago Be among the first 25 applicantsJoin to apply for the Lead Credit Strategy Analyst role at LulaJob title: Lead Credit Strategy AnalystReporting to: Head of Credit Data ScienceLocation: Cape Town, South AfricaALL STAFF APPOINTMENTS WILL BE MADE WITH DUE CONSIDERATION OF THE COMPANY'S EE TARGETSWhat We DoLula is an innovative and human-focused FinTech company on a mission to help small businesses optimise their cash flow.
Our purpose is to help SMEs manage their businesses better, faster, and more simply, so they can spend more time doing what they love.If you're looking for a new place to call 'home' that believes in the potential of the broader SME landscape in South Africa and a place where you'll work with awesome people - then Lula's the place for you!We're making business banking fast, human, Lula!OUR VALUESCollaborative - 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 PURPOSEThe Lead Credit Strategy Analyst is responsible for the analytical execution of the definition of credit risk policies, credit risk strategies and credit risk optimisation.
This role is the analytical lead defining Lula's risk appetite, return hurdles, credit risk policies, affordability assessment, strategy design, test frameworks, offer terms and ultimately profit optimisation across the credit lifecycle.The successful candidate will work closely with cross-functional teams, including the Credit Modelling Lead, Credit Underwriting, Portfolio Management, Collections, Business Development, Finance, and Data Engineering, to ensure that credit policies and strategies are optimised for both performance and compliance.Responsibilities Will IncludeIdentifying expansion opportunities to grow the portfolio profitably / profit optimisation opportunities.Leading analytical projects to define credit policies, strategies, affordability assessments, offers (terms of business) and test frameworks across the credit lifecycle.Executing data driven profit optimisation decisions across the credit lifecycle.Working with the Data Science, Credit Underwriting, Collections and Portfolio Management teams to execute data-driven insights / strategies.Accountability for the implementation and performance of automated credit decisioning strategies (across multiple products, including Merchant Cash Advance and revolving credit for SMEs) in line with KPIs and Business Strategy.Continuously evaluating and developing data driven strategies to support funding decisions (credit risk, affordability, pricing, delinquency, and fraud detection).Providing input to enhance existing processes, identifying new opportunities within credit and collections teams.Staying updated with AI/ML trends and methodologies to identify emerging credit risks and opportunities.Working closely with Data Engineering to ensure required data for credit modelling, data driven strategy development and reporting is available.Collaborating with the Product team to prioritise and implement strategy changes.Leading and mentoring analysts within the Credit Data Science team, for assigned projects.THE COMPETENCIES WE'RE AFTERStrategic thinker with the ability to align model development to business goals.Strong analytical leadership and team-building capabilities.Excellent communication skills, with the ability to present complex data insights to non-technical stakeholders.High attention to detail.Passion for innovation and staying ahead of emerging trends in data science and credit risk strategy design.A self-starter, able to take initiative and drive analytical projects from concept to implementation while ensuring usability across teams.The Skills And Experience We're Looking ForBachelor's or Master's in Data Science, Statistics, Mathematics, or a related quantitative field.8+ years of experience in data science, credit risk strategy analytics, or related roles within financial services, ideally in lending or fintech.Proven experience leading credit risk strategy analytics projects to implementation in a data-driven environment.Proficiency in programming languages like Python, R, and SQL.Experience working with credit risk and decisioning platforms.Knowledge of cloud-based environments and large data systems (AWS, Azure, etc.
).Please note that all appointments are subject to our background checking process, which may include Credit, Criminal and any other job inherent checks.Seniority levelSeniority levelMid-Senior levelEmployment typeEmployment typeFull-timeJob functionJob functionBusiness Development and SalesIndustriesBankingReferrals increase your chances of interviewing at Lula by 2xSign in to set job alerts for "Strategy Analyst" roles.Cape Town, Western Cape, South Africa 9 hours agoCape Town, Western Cape, South Africa 15 hours agoCape Town, Western Cape, South Africa 5 days agoCape Town, Western Cape, South Africa 2 weeks agoCape Town, Western Cape, South Africa ZAR500,000.00-ZAR500,000.00 2 months agoBusiness Inteligence Analyst - B4A Western CapeCape Town, Western Cape, South Africa 2 weeks agoPinelands, Western Cape, South Africa 16 hours agoCape Town, Western Cape, South Africa 3 weeks agoCape Town, Western Cape, South Africa 1 week agoIntermediate Business Analyst (Cape Town based)Cape Town, Western Cape, South Africa 3 weeks agoSouthern Suburbs, Western Cape, South Africa 1 month agoCape Town, Western Cape, South Africa 1 week agoCape Town, Western Cape, South Africa 1 week agoCape Town, Western Cape, South Africa 1 week agoAnnotations Business Analyst, Community Feedback Annotation TeamCape Town, Western Cape, South Africa 2 weeks agoSenior Business Analyst- Financial ServicesCape Town, Western Cape, South Africa 1 month agoAnnotations Business Analyst, Community Feedback Annotation TeamCape Town, Western Cape, South Africa 1 week agoPinelands, Western Cape, South Africa 1 week agoFinancial Controls and Reconciliation AnalystCape Town, Western Cape, South Africa 1 week agoCape Town, Western Cape, South Africa 3 weeks agoCape Town, Western Cape, South Africa 2 weeks agoCity of Cape Town, Western Cape, South Africa 19 hours agoCape Town, Western Cape, South Africa 1 day agoCape Town, Western Cape, South Africa 2 days agoCity of Cape Town, Western Cape, South Africa 1 day agoOperations Financial Analyst - Accounting (UK Hours)Cape Town, Western Cape, South Africa 17 hours agoCape Town, Western Cape, South Africa 1 day agoCape Town, Western Cape, South Africa 1 day agoWe're unlocking community knowledge in a new way.
Experts add insights directly into each article, started with the help of AI.
#J-18808-Ljbffr