Credit & Pricing Analyst

Location: Cape Town (Hybrid)

Keywords: Analytics Jobs * Credit Risk Jobs * Pricing Analyst Jobs * Data Jobs * FinTech Analytics

Perks: Ownership from day one, travel, hybrid flexibility, ESOP potential

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About the Company

Imagine a fast-scaling African tech organisation focused on solving big, meaningful problems – like helping households get reliable energy or affordable smartphones in markets where access is anything but guaranteed.

They build the tech, run the distribution networks, and finance the products that change day-to-day life for families across the continent. Thousands of field agents rely on their tools, and millions rely on their products.

It’s a place where trust matters, mission matters, and the work genuinely changes lives.

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About the Role

As the Credit & Pricing Analyst, you sit right at the commercial heart of the business. Your work shapes P&L outcomes, portfolio performance, customer affordability, and the overall risk-reward balance of the company.

This is not a “sit quietly and build models” role.

This is a “you own the commercial engine – go make it better” role.

You’ll build forecasts, design pricing strategies, improve automated decisioning, dig deep into portfolio performance, and create data-driven recommendations that ripple through the whole organisation.

You’ll work directly with the senior credit leadership team, and your models will influence how sales teams operate in multiple countries.

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What You’ll Actually Do

Profitability & Pricing

• Build and refine pricing models that drive sustainable margins.
• Simulate and quantify the impact of pricing or policy changes on P&L.

Credit Performance Forecasting

• Develop and maintain forward-looking models for repayment, defaults, and portfolio health.
• Produce forecasts used by finance, operations, and leadership.

Credit Risk Model Development

• Analyse behavioural and transactional data to improve automated decision engines.
• Backtest models, monitor stability, and refine risk buckets.

Analytical Exploration

• Test hypotheses, prototype new approaches, run experiments, and uncover hidden opportunities.
• Bring new thinking into product, credit, and commercial discussions.

Portfolio Insights & Actionable Recommendations

• Identify trends and pain points in performance.
• Turn complex patterns into simple, actionable guidance for in-country teams.
• Connect your models to the operational reality of life on the ground.

Ownership & Commercial Impact

• Go beyond analysis – you’ll help teams execute, iterate, and embed changes so that improvements actually show up in the numbers.

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Who You Are

You don’t need to tick every box – but you’ll thrive here if:

• You have 2-5 years in analytics, credit, pricing, risk, or data science.
• You’re great with SQL and comfortable with Python or R for modelling.
• You know your way around credit scorecards, pricing logic, or financial forecasting.
• You understand behavioural data and can separate signal from noise.
• You can communicate complex ideas simply, clearly, and confidently.
• You take ownership – the kind where you don’t just build the model, you follow through until it lands in the real world.
• You have a curious, practical, analytical mind that loves solving commercial puzzles.
• You enjoy understanding how things work on the ground, not just in a spreadsheet.
• You’re open to traveling to the countries where your work directly impacts customers.
• You want your work to have real meaning.

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What You’ll Love

• A mission with real social impact
• A close-knit Cape Town HQ with a scale-up feel
• Gorgeous offices, collaborative culture, and autonomy from day one
• Hybrid flexibility (roughly half office / half remote)
• Travel opportunities across several African markets
• Annual retreats and plenty of learning opportunities
• ESOP participation after year one
• A fast-moving, intellectually stimulating environment where curiosity is rewarded

Salt is acting as an Employment Agency in relation to this vacancy.