Junior Credit Analyst

About Bridgement

Bridgement is breaking down the barriers to access finance for small businesses in South Africa. Traditional loans from banks and other lenders have a slow application process, have strict criteria, require a lot of documentation, and inflexible terms. In contrast, we use cutting-edge technology and artificial intelligence to offer flexible finance online, with a 2-minute application, no documentation required, and a decision in a matter of hours. We’re a well-funded fintech start-up, backed by Capricorn and the greater Yellowwoods group, best known for their investments in and ownership of Nandos, Hollard, Clientèle, Direct Axis, and Budget Group. Having won several awards recently, including Xero’s App of the Year award, we are proud to be recognised by worldwide brands as a trusted and valued business.

Roles & Responsibilities

As a Junior Credit Analyst you will be regularly analysing and processing applications, presenting to and working closely with our Credit Team and other relevant stakeholders.

You will be:

• Working with large, complex datasets, and regularly performing in-depth analysis.
• Ensuring data accuracy is maintained for appropriate credit decisions.
• Using our analytical and CRM systems to accurately process customer information.
• Verifying and analysing credit and financial information provided by customers.
• Identifying and flagging potential fraud attempts and concerns over financial health.
• Assisting our Credit Team with assessing applications and with credit decisioning.
• Helping our Engineering Team develop new processes for account management, application processing, and credit assessment.

Requirements

You will need:

• 1-2 years’ experience, preferably in SME/business credit analysis, management consulting (e.g. McKinsey, BCG, Bain, Monocle), or auditing (e.g. SAICA/SAIPA/CIMA).
• A Tertiary degree, preferably in Finance, Accounting, or Economics.
• To be very proficient with computers, especially excel (e.g. vlookups/index-matches, pivots, if-statements, what-if analysis etc).
• To be able to analyse and interpret income statements and balance sheets.
• Good business acumen and be able to have detailed financial conversations.
• High attention to detail, and the ability to spot unusual customer behaviour, data, and trends.
• To understand, evaluate and improve existing processes.
• To be passionate about growing SMEs across South Africa.

Benefits

You’ll join a diverse team of smart, passionate and humble people, who are all passionate about growing our FinTech solution. In addition to a competitive salary, we also provide:

• An opportunity to be a part of one of the most exciting, growing fintech startups
• A smart, fun and diverse team with an open door policy for conversation, suggestions and idea sharing
• A lovely office in the heart of Melrose Arch featuring great coffee, fat saks, playstation, a putting green and monthly team social events
• Amazing employee benefits including life insurance, disability + critical illness, income protection and gap cover, as well as other benefits like psychological, physical, financial wellbeing and legal support
• Sponsorship for pre-approved online courses
• Hybrid work-from-home policy