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 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 underserved markets and improving everyday lives.

POSITION INFO:
As a Credit & Pricing Analyst, you will play a pivotal role in driving sustainable profitability and informing 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 backtesting and model validation to ensure 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 analytical outputs translate into operational outcomes
Take ownership of business impact, proactively ensuring 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, 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, Tableau) is a plus

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