Credit and Pricing Analyst

Recruiter:

Network Recruitment

Job Ref:

NFP016625/ZG

Date posted:

Monday, February 23, 2026

Location:

Cape Town, South Africa

Salary:

Annually

SUMMARY:

This fast-growing scale-up business is dedicated to expanding access to essential products across Africa through innovative financing and technology. Operating across multiple markets with a strong distribution network, the organisation enables thousands of customers each week to access lifeâimproving products through affordable, payâoverâtime solutions. Working here means contributing to meaningful impact—building trust in under-served markets and improving everyday lives.

POSITION INFO:
As a Credit & Pricing Analyst, you will play a pivotal role in driving sustainable profitability and informing the credit strategy. Reporting directly to the Head of Credit, Pricing and Data, you will be responsible for the analytical models, pricing frameworks, and data-driven insights that guide commercial and financial decision-making.

Key Responsibilities:

Develop and optimise pricing models to support sustainable profitability across product lines
Model and assess P&L impacts of proposed pricing adjustments, commission changes, and credit policy updates
Build and maintain credit performance forecasts, including repayment rates, expected losses, and portfolio quality indicators
Enhance automated credit risk models by analysing customer, behavioural, and transactional data
Conduct back-testing and model validation to ensure that scoring and risk-bucketing frameworks remain accurate and effective
Investigate portfolio trends to identify performance drivers, emerging risks, and improvement opportunities
Provide clear, actionable insights to support strategic and operational decision-making across in-country teams
Prototype and test new analytical models or data-driven concepts to uncover opportunities for performance improvement
Collaborate closely with commercial, sales, and underwriting teams to ensure that analytical outputs translate into operational outcomes
Take ownership of business impact, proactively ensuring that recommendations are implemented and tracked
Present findings to senior stakeholders, translating complex analysis into concise business narratives

Job Experience and Skills Required:

Education:
- Degree in Actuarial Science, Statistics, Data Science, Mathematics or another quantitative discipline
Experience:
- 2–5 years in credit risk, pricing, data science, or financial analytics
- Experience in fintech, lending, or financial services advantageous
- Background in building credit scorecards, pricing models, or complex financial forecasts
- Exposure to emerging or developing markets beneficial
- Willingness to travel into operational countries to understand market realities and collaborate with inâcountry teams
Skills:
- Strong SQL proficiency
- Advanced skills in Python or R (e.g., scikit-learn, pandas, and seaborn)
- Experience with statistical modelling and machine learning
- Credit risk and portfolio analysis expertise
- Financial modelling and P&L simulation
- Familiarity with dashboard/visualisation tools (Power BI and Tableau) is a plus

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