Credit & Pricing Analyst

Become part of a rapidly expanding African technology company that is making a meaningful impact by increasing access to clean solar power and affordable smartphone financing. Operating in several African markets and supporting hundreds of thousands of households, this organisation leverages advanced technology, innovative credit solutions, and a mission-driven culture to empower communities and create economic opportunities in underserved regions

As a Credit and Pricing Analyst you will be a key contributor within the commercial team, helping to shape credit strategy and support sustainable growth across multiple markets. Reporting to the Group Head of Credit, you will apply advanced analytical techniques to evaluate credit performance, develop pricing strategies, and deliver insights that strengthen portfolio performance and long-term profitability.

Responsibilities:

• Develop, maintain, and enhance pricing models to support profitability and strategic pricing decisions.
• Build forecasting models to predict repayment behaviour, credit risk, and overall portfolio performance.
• Analyse customer and behavioural data to strengthen credit scorecards and risk segmentation strategies.
• Monitor credit portfolio performance and identify key trends, risks, and opportunities.
• Provide data-driven insights and recommendations to support business and commercial decision-making.
• Work closely with operations, sales, and country teams to ensure effective implementation of credit strategies.
• Conduct scenario and sensitivity analysis to evaluate the impact of pricing and credit policy changes.
• Support the optimisation of automated underwriting and credit decision systems.
• Apply analytical and machine learning techniques to improve risk assessment and operational efficiency.

Qualifications and experience:

• Degree in actuarial science, data science, statistics, mathematics, or similar.
• Strong SQL skills for data extraction and manipulation.
• Proficiency in Python or R (pandas, scikit-learn, seaborn, etc.).
• Experience building credit scorecards, pricing models, or financial forecasting tools.
• Ability to communicate complex analysis clearly to non-technical stakeholders.
• Commercial mindset with a practical, hands-on approach.
• Willingness to travel to operating markets and collaborate with local teams.
• 2–5 years’ experience in credit risk, pricing, data science, or related roles (fintech/lending preferred).

The reference number for this position is NG61073 which is a permanent, Hybrid position based in Cape Town offering a cost to company of up to R950k CTC negotiable on experience and ability. Contact Nokuthula at e-merge.co.za or call her on 011 463 3633 to discuss this and other opportunities.

Are you ready for a change of scenery? E-Merge IT recruitment is a specialist niche recruitment agency. We offer our candidates options so that we can successfully place the right developers with the right companies in the right roles. Check out the e-Merge website www.e-merge.co.za for more great positions.

Do you have a friend who is a developer or technology specialist? We pay cash for successful referrals!

Posted on 13 Mar 08:55, Closing date 12 May