Credit & Pricing Analyst at Salt South Africa

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.

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.

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.

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