South Africa: Credit & Pricing Analyst (SQL, Python & R) – Cape Town – up to R1mil CTC posted by E-Merge

Join a fast-growing African scale-up that is transforming lives by expanding access to solar energy and smartphone financing across the continent. Operating in eight countries and serving hundreds of thousands of households, we combine technology, innovative credit systems, and a mission-driven culture to build trust where it matters most.

As a Credit & Pricing Analyst, you will sit at the heart of our commercial engine-driving profitability, shaping strategy, and improving credit performance across multiple African markets. Reporting to the Group Head of Credit, you will lead the analysis and modelling that power our pricing and credit decisions.

Responsibilities:

• Drive Profitability: Build, monitor, and refine pricing models to achieve margin targets and model P&L sensitivity across pricing, credit rules, and commissions.
• Forecast Credit Performance: Develop forecasting models for repayment behaviour, portfolio losses, and key credit metrics that guide planning and decision-making.
• Strengthen Credit Risk Models: Analyse customer and behavioural data to enhance scorecards, risk buckets, and automated underwriting systems.
• Innovate: Prototype new analytical and machine-learning approaches to unlock new opportunities for efficiency and growth.
• Deliver Insights: Investigate portfolio trends, identify drivers of performance, and provide clear, actionable recommendations to in-country teams.
• Own Outcomes: Partner with operations and sales teams to ensure your models deliver real commercial impact-not just theoretical results.

Qualifications & 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 NG60920 which is a Permanent Hybrid position based in Cape Town offering a cost to company of up to R1mil CTC negotiable on experience and ability. Contact Nokuthula at *****@*****.co.za or call her on (***)***-**** 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.********.co.za for more great positions.

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