Job Description

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, 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.

CULTURE CODE

We Embrace Curiosity-

We continuously seek better ways to deliver value with a solutions-over-problems mindset.

We win as One -

We collaborate, build strong relationships and value diverse perspectives

We're Driven by Purpose -

We are passionate and committed to delivering the best products and services for SMEs

We Execute with Ambition

- We set ambitious goals, embrace challenges, and deliver with focus and determination.

OVERALL PURPOSE

Join our dynamic fintech company on an exciting journey in the world of credit. Lula is a fast-growing organization with a mission to support South African SMEs. We're looking for a Junior Credit Analyst to join our Credit Underwriting team, where you'll play an integral role in maintaining our credit approval process. If you're a Credit Analyst with a passion for fintech and a desire to drive efficiency while maintaining high standards, we'd love to hear from you.


As a Junior Credit Analyst at Lulalend, your role will involve:

Evaluating Existing Client Data

: Evaluating clients' credit data and financial data in order to determine the degree of risk involved in lending money to them and using the data to recommend outcomes for existing clients to access their available capital facilities

Credit Ticketing

: Preparing basic notes about the degree of risk in lending money to clients

Collaboration and continuous improvement

: Work closely with the credit management team to maintain and enhance high-quality decision-making processes, with a focus on improving overall portfolio performance

Idea Generation

: Using ideas and solutions to meet customer needs ensuring that their expressed and underlying needs are satisfied

Multitasking

: Exhibit the ability to handle various ad-hoc tasks on a daily basis while maintaining a high level of accuracy

Customer-Centric

: Limited involvement with customers to streamline their in-progress credit applications. Contacting clients to do any credit underwriting overrides when needed

Credit Lifecycle Expertise

: Demonstrate a solid understanding of the credit lifecycle, including collection processes

Platform Proficiency

: Develop a deep understanding of our lending platform to ensure effective decision-making

Ad-Hoc Projects

: Be prepared to engage in other ad-hoc projects as needed to support the team's objectives

THE COMPETENCIES WE'RE AFTER

As a Commercial Credit Analyst, you should possess the following competencies:

Problem-Solving:

Exhibit exceptional problem-solving skills, with the ability to think outside the box and make quick decisions.

Resilience:

Show resilience in the face of challenges and adapt to evolving situations.

Team Player:

Embrace a fun-loving, team-player mindset, always ready to support your colleagues and go the extra mile for the team and Lula.

Start-up Mentality:

Understand that we're all in this together and be eager to roll up your sleeves and actively contribute to our mission.

THE SKILLS AND EXPERIENCE WE'RE LOOKING FOR

Degree in Administration, Operations or Finance 0-1 years Experience working in an Operations environment (preferably for a financial institution) would be advantageous Familiar with working on CRM tools (such as Zendesk) would be advantageous Experience in being able to handle multiple tasks concurrently * Passionate about delivering customer experience above and beyond customer expectations