Current Opportunities at Lulalend

• This position is responsible for providing guidance and direction to the board and the employees of LulaLend in relation to the operations of the banking platform.
• The Key Individual plays a critical role in the business in relation to its FSP license. This position requires strong leadership, strategic thinking, and compliances skills and knowledge, as well as a deep understanding of the financial services legislation. The right candidate will be able to guide the board, the management and employees of LulaLend to ensure compliance with FAIS

Key Responsibilities

• Ensuring that LulaLend adheres to all the conditions of its FSP license to be obtained;
• Ensuring that LulaLend’s policies and procedures ensure FAIS compliance and that they are implemented in the area of which Lula Lend and the Key Individual is responsible for;
• Ensuring that all Representatives reporting to the KI maintain their fit and proper status and adhere to the General Code of Conduct;
• Ensuring that all regulatory reporting is submitted to the FSCA, on time and with the correct information.
• Act with due care, skill and diligence in the execution of all duties
• Act within the standards and rules set by legislation
• Fulfill contractual obligations as agreed to
• Management and Oversight of statutory obligations of the FSP
• Rendering of financial services of the FSP and persons authorised to act on its behalf;
• Business processes and operational ability.
• Instill a culture of treating customers fairly in all aspects of the business;
• Working closely with our Legal team in carrying out his / her duties.

Experience & Skills:

• Minimum of 1 year experience in a management role within the banking industry, specifically in relation to long and short term deposits.
• Experience in the banking industry, with a strong understanding of FAIS and FICA and other banking and financial services legislation;
• Understanding of the role of a Key Individual and how to be most effective;
• RE1 Exam completed;
• Class of business exam completed.

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OVERALL PURPOSE

This role would suit someone with energy, persistence and who accepts only the best (with a real passion for collections). If you’re looking to join a dynamic, young collections team, be challenged (and, importantly, be a challenger) then this role is for you. We expect you to have a drive to succeed, as this role is critical to Lulalend’s success and ensuring we recover outstanding client payments while continuing to enhance our relationship with our clients.

• Manage outstanding client payments with an aim to recovering arrears
• Ensure adherence to the Fair Debt Collections Practices Act and other compliance regulations and security policies
• Follow Lulalend's established collections processes (although improvements are always welcomed!)
• Liaise with customers to understand reasons for late payment and resolve customer billing disputes
• Respond to customer queries
• Manage interactions with all customers diligently, courteously and professionally while collecting payments
• Initiate strategies for collection processes and procedures
• Negotiate payment plans in consultation with collections and credit management teams
• Encourage and assist customers to pay overdue amounts
• Create repayment schedules based on customers’ financial situations
• Ensure customer loyalty while initiating processes for collection of payments
• Keep electronic records of all communications, payment plans agreed to, and amounts paid
• Initiate legal proceedings if debt recovery fails
• Daily reporting

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• Matric certificate or equivalent
• Diploma/Degree in a financial related field would be highly advantageous
• Previous collections experience (Minimum of 2 years) or alternatively financial administrative experience
• A track record of providing excellent customer service
• Strong numerical ability
• Ability to thrive in an ever-changing environment with lots of moving parts
• Strong communication and people skills

THE COMPETENCIES WE’RE AFTER

• Strong customer focus
• Self-starter and initiative-taker
• Enthusiastic team-player
• Willingness to learn in a dynamic and fast moving company
• Positive contribution to the Collections team and Lulalend
• Out-of-box thinking and solutions driven
• Great negotiation skills
• Empathetic yet logical approach
• Ability to resolve conflict in a constructive manner

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OVERALL PURPOSE

• This is a fantastic opportunity for a Graduate looking to work in a growing fintech business. The Commercial Credit Analyst position looks after our credit underwriting process, and relies on a combination of analytical and numerical know-how, as well as the ability to liaise and deal with customers regularly.

Responsibilities include but are not limited to:

• Engaging with clients to verify their financial/credit transactions, business performance and request additional information where need be
• Evaluating clients’ credit data and financial data in order to determine the degree of risk involved in lending money to them
• Preparing notes about the degree of risk in lending money to clients
• Analysing client records and using the data to recommend outcomes
• Evaluating the financial status of clients by interpreting financial ratios produced by proprietary programs
• Helping supply chain and Sales and Marketing departments in managing financial orders to help them control credit exposure
• Understanding the lending platform in its entirety with special focus on the origination module
• Working closely with the Head of Credit Underwriting and Credit Team Leader on issue escalation, ensuring customer problems are tracked, resolved and followed-up on
• Using ideas and solutions to meet customer needs ensuring that their expressed and underlying needs are satisfied
• Understanding and keeping up to date on the latest technology developments and technical issues affecting your accounts
• Running other key operational tasks linked to the monitoring of the portfolio on book on a regular basis
• Any other ad-hoc projects required to assist the team

THE COMPETENCIES WE’RE AFTER

• Excellent problem-solving skills
• Highly organised with strong attention to detail
• Excellent influencing skills
• Resilience
• Fun-loving, team-player - you enjoy helping your team members out, and will step up to assist even when your work is done
• Start-up mentality - you understand we are all in this together

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• Matric certificate or equivalent
• Completed finance/ accounting/ economics degree or equivalent
• Ideally you will have some commercial/SME credit experience
• Strong numeracy abilities
• Passionate about delivering customer experience above and beyond customer expectations

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OVERALL PURPOSE

• We are looking for a Data Engineer to join our team. You will be tasked with implementing and maintaining data models with the goal of improving data reliability and quality, ensuring scalable data pipelines are working smoothly, and bugs and performance issues are quickly identified.
• As a member of the Data Science team, your primary focus will be to combine raw information from different sources to create consistent and consumption-ready formats. More specifically, you will need to construct and test architectures that enable data extraction and transformation for predictive or prescriptive modelling.

Responsibilities will include:

• Developing and maintaining scalable data pipelines and systems
• Monitoring production runs to ensure accurate and timely delivery of data
• Collecting, analysing, and organising raw data from multiple sources
• Collaborating with Data Scientists on various projects
• Building features and creating customised datasets for machine learning algorithms
• Assisting with planning, building, and maintaining the Data Warehouse
• Improving data quality and reliability
• Developing and maintaining APIs hosted by the Data Science team with high uptime
• Creating new API integrations as needed for increasing data volume and complexity
• Writing tests, documenting work, and refactoring code to maintain a clean data engineering repository
• Building reusable classes to speed up the development of data science projects
• Collaborating with other teams (e.g. software engineering, product management) to understand data needs and requirements
• Keeping up-to-date with industry trends and emerging technologies in data engineering and data science

THE COMPETENCIES WE’RE AFTER

• Clear and concise communication and documentation skills
• Process orientated with experience in Agile
• Team-player with a desire to collaborate
• Critical thinking skills
• Focused on high quality output
• Self-starter

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• Bachelor's degree in Computer Science, IT, or related field
• 4+ years experience as a Data Engineer or in a similar role
• Experience in Azure cloud environment preferred
• Experience with data visualisation tools, particularly Mixpanel, is a plus
• Data engineering certification, such as Microsoft Certified Azure Data Engineer, is an advantage
• Proficiency in Python and relevant data packages
• Experience with PostgreSQL/MS SQL databases
• Understanding of schema design and data modelling
• Experience with data shipment via ETL, APIs, etc.
• Familiarity with source code and version control

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OVERALL PURPOSE

• Our platform is the market leader in online business lending, is based on the Microsoft stack and is hosted in the cloud.
• We are looking for a motivated senior Developer to join our dynamic, vibrant and energetic Engineering team. The successful candidate will be required to contribute towards system architecture, technical decision making, planning and development of platform features and advance our platform to the next phase of operation and functionality. The application is the market leading online small business lending platform which incorporates all aspects from multiple API integrations with other fintech platforms to advanced business logic around risking, pricing and machine learning prediction for quick turn around funding offers.
• In addition, the successful candidate will be required to mentor junior Developers and be an active member of code reviewing sessions. Furthermore, taking responsibility for project delivery (individual and team) and system maintenance.
• This role will expose you to several aspects of software development, service provider integrations, full stack technologies, project responsibility and team mentorship.

Responsibilities will include:

• Extend and maintain existing and new software systems on the Lulalend platform (and/or Lulalend white labelled/partner platforms)
• Project scheduling, planning reporting and analysis tasks
• Planning, estimating, and continuously improving code quality, system design and processes
• Work with the business to understand and implement complex requirements
• Technical advice and system architecture
• Mentorship of more junior team members
• Technology research and keeping a constant eye on changing industry ideas and practices, and monitoring emerging technologies
• Participation in technical architecture/problem resolution sessions
• Work in an agile environment, assisting in the move towards Continuous Deployment

THE COMPETENCIES WE’RE AFTER

• Full stack development exposure
• Ability to mentor more junior team members
• Efficiency and optimisation driven
• Analytical thinker
• Problem solver
• Attention to detail
• Innovative
• Advanced communication skills
• Team player
• Knowledge sharing
• Interest and passion for technology

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• A relevant tertiary level qualification (BSc in Computer Science, BTech, BEng), or equivalent
• Honours and/or Master’s degree an added advantage
• 6+ years experience in object oriented development (Preferably C# MVC)
• Solid experience in test-driven development
• Exposure to front-end scripting technologies (Javascript, Jquery, React)
• Exposure to micro-services and/or service oriented architecture
• Exposure to cloud based environments (Preferably Azure)
• Exposure to database design
• Exposure to Agile development
• Exposure to source control (e.g Git)

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• You'll be responsible for making sure our technology and information systems are top-notch, so we can grow and provide excellent service to our customers while keeping their data secure. You'll lead the charge on developing our tech strategy, stay up to date with emerging trends and tools, and work closely with other departments to make sure we're meeting our goals.

Key Responsibilities:

• Develop and implement the company's technology and information systems strategy and roadmap, in alignment with business goals and objectives.
• Oversee the design, implementation, and maintenance of the company's information systems, including software, hardware, and networks, ensuring optimal performance, scalability, and security.
• Champion the implementation of a data-led, API-first technology approach/culture across the organization.
• Develop and maintain effective technology standards, policies, and procedures that support quality assurance, platform security, data protection, and compliance requirements.
• Manage and optimize the company's technology budget, resources, and vendors, ensuring cost-effective solutions are in place.
• Manage and grow high-performing engineering and technical operations teams that deliver quality and timely releases in line with Lula's roadmap and internal service level objectives.
• Monitor and manage development partner delivery and performance, ensuring alignment with Lula's quality and security standards.
• Collaborate with business teams to identify opportunities for improving operating efficiencies, creating process automations, and enhancing the customer experience.
• Identify, evaluate, and recommend emerging technologies and trends that could enhance the company's products and services, or improve internal processes and efficiency.
• Develop and maintain disaster recovery and business continuity plans for the company's information systems, ensuring resilience and preparedness for any eventuality.
• Ensure compliance with relevant regulations and standards, such as data protection laws and cybersecurity best practices.
• Stay up to date with industry developments, regulations, and trends that impact the fintech sector, and communicate any potential risks or opportunities to the executive team.

Required Skills and Experience:

• Bachelor's or Master's degree in Computer Science, Information Technology, or a related field.
• Minimum of 10 years' experience in IT leadership roles, preferably in a fintech environment.
• Proven experience in developing and implementing technology and information systems strategies that align with business goals and deliver measurable results.
• Strong technical knowledge across a range of areas, such as software development, infrastructure, cybersecurity, and data analytics.
• Experience in managing budgets, vendors, and teams, with a focus on efficiency and cost-effectiveness.
• Excellent communication and collaboration skills, with the ability to work effectively with stakeholders at all levels of the organization.
• Strong problem-solving and decision-making skills, with the ability to think strategically and tactically.

Core Competencies:

• Strategic thinking and vision
• Leadership and team management
• Communication and interpersonal skills
• Technical expertise and knowledge
• Business acumen and financial management
• Adaptability and flexibility
• Decision-making and problem-solving
• Results orientation and accountability
• Change management and innovation
• Ethics and integrity

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• As the Head of Business Operations, you'll be at the helm of a dynamic and multi-disciplinary team, responsible for process training, ensuring quality standards are met, and monitoring and reporting on our performance.
• This demanding role is perfect for a versatile professional with a diverse skill set and a knack for solving complex problems. If you're ready to take on a new challenge and help us drive Lula to the next level, this could be the opportunity you've been looking for!

Key Responsibilities:

• Business Analysis
• Business Intelligence
• Quality Assurance
• Systems and process training
• Internal Audit
• Supplier Management and Performance Monitoring

Skills and Experience:

• Bachelor's Degree in Business Administration or relevant field
• 8-10 Years managing a team or department
• Experience managing day-to-day operations
• Experience with business process improvement and change management
• Experience in Business Intelligence and building out KPIs
• Fintech and/or scale-up experience
• Experience developing a team - ideally with a rapidly growing team and have played a key part in helping grow a company and its operating model
• Experience running your own business a bonus

Competencies:

• The successful Head Of Business Operations requires the following core competencies.

Business Analysis

• The ability to develop and set team standards for gathering requirements, mapping business processes and designing process improvements in a clear, actionable format that can be used to communicate with the team and drive operational effectiveness.

Project Management

• The ability to manage and coordinate cross-collaboratively with the operations teams (CX, Sales, Credit, etc.) to iteratively and quickly deliver business improvements (process, tools, workforce,etc.) that accomplish pre-defined goals.

Quality Assurance

• The ability to set and maintain quality standards to prioritize and resolve business process quality issues across teams, platforms and vendors.

Fluency with data

• The ability to use data strategically to generate actionable insights, to leverage those insights in your team to achieve goals and to connect those quantified goals to meaningful outcomes for the business.

Business Outcome Ownership

• The ability to drive meaningful outcomes for the business by connecting business processes and goals to the strategic objectives of the operations teams and the company overall.

Strategic Planning

• The ability to define an overall operations vision that connects to the strategy for the company. The ability to define a clear roadmap of highly prioritized business processes and initiatives that deliver against that vision.

Stakeholder Management

• The ability to proactively identify stakeholders impacted by the Business Operations area of ownership and to work with those stakeholders to factor their requirements into operations decisions.

Managing Up

• The ability to leverage senior managers and executives in the organization to help achieve goals, deliver meaningful business outcomes, and positively influence the strategic direction of the Business Operations team’s work.

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• The ideal candidate will have a solid understanding of banking products and services with a proven track record in product ownership.
• This role will see you collaborate with cross-functional teams to define and manage our product backlog, ensuring we deliver a best-in-class product. Working collaboratively with Product Design, Marketing, Data Science & Engineering, you will be responsible for our product and its end-to-end features. We’re looking to build a high quality frictionless, beautiful end-to-end digital experience, helping SMEs thrive in a tough market. These products, services and features need to be seamless, considerate and WOW.

Responsibilities will include:

• Collaborate with cross-functional teams including Product Design, Marketing, Data Science and Engineering Teams to deliver high quality products, features & services for our customers, meeting our business goals
• Work closely with our customers and the markets to understand their needs and gather feedback on product features
• Define and prioritise product features and requirements based on market research, customer feedback and stakeholder input
• Develop and maintain the product backlog that align with the Product roadmap and company's vision and strategy
• Conduct market research and competitor analysis to identify opportunities for product improvement and differentiation
• Manage the product development lifecycle from ideation to launch, including product planning, testing and release
• Monitor product performance and make data-driven decisions to optimise product features and drive user engagement
• Ensure product compliance with regulatory requirements and industry standards
• Communicate product vision and status to all stakeholders
• Continuously assess and improve product processes to maximise efficiency and effectiveness

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• Matric/Grade 12 achieved
• 3+ years of working experience as a Product Owner, with a focus on banking products and services
• Product owner certification an added bonus
• Experience with prototyping, testing, and validating product hypotheses
• Experience defining, prioritising and communicating a product roadmap across the organisation
• Managing and building out a backlog with a focus on iterative and continuous delivery
• Experience building products iteratively by applying lean principles and focusing on MVPs
• Hands-on experience working with Engineering teams in an Agile environment with an understanding of agile development process
• Excellent communication and collaboration skills with a proven ability to work with cross-functional teams
• Technical acumen and genuine passion for technology
• Understanding of core concepts related to UI/UX design
• Experience with product management tools such as JIRA, Confluence, Trello is a plus

THE COMPETENCIES WE’RE AFTER

• User-centric and customer focused approach
• Knowledge of customer desires and behaviours
• Excellent communication and collaboration skills
• Confident decision-maker
• Excellent attention to detail
• Ability to roll up your sleeves, execute and get things over the line
• Strong collaboration skills and a passion for working with people
• Strong analytical and problem-solving skills
• Good prioritisation and time management skills
• Deadline driven - you know what success looks like and how to measure it
• Positive, high energy and committed to live, demonstrate and get excited about the Lulalend values

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• This is a role reporting into our Senior Product Designer which will provide you with an opportunity to build out our UI design strategy and deliver our vision.
• This role will see you collaborate with cross-functional teams throughout the design process in order to define and drive the user experience that SMEs in South Africa deserve when using financial services. You’ll work with the Product, Marketing and Engineering teams to take our web and mobile experiences to the next level. We’re looking to build end-to-end journeys that help SMEs thrive in a tough market. These products, services and features need to be seamless, considerate and WOW.

Responsibilities will include:

• Collaborate with Marketing and Engineering Teams to deliver the best user experience for our customers
• Develop compelling visual artifacts (UI layouts, interface elements, prototypes, high-level storyboards, mock-ups, wireframes etc.) to effectively communicate UI and UX needs.
• Conducting best practice research to develop and improve UI and interaction design to solve end user problems effectively.
• Research the latest visual design, UI and interaction concepts, presentation layer technologies, digital best practices, online trends, and provide recommendations for improvements
• Understand user problems and needs deeply and clearly through research (Jobs to be Done, Design thinking, etc.)
• Conduct project scoping and requirement gathering and translate requirements into visual designs (high-fidelity UI) and prototypes
• Explore design ideas and directions and effectively communicate these for development
• Collaborate with the frontend Development team to ensure journeys are delivered to a high standard
• Build out design system and communicate best practices and UX and UI design standards
• Keep up-to-date with design trends to ensure a creative and forward thinking design output

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• Matric/Grade 12 achieved
• 2-3 Years of working experience
• Related degree in design/human computer interaction or equivalent
• Experience working as a UI Designer with a strong understanding of UI design and a fantastic portfolio to showcase your design work
• Experience in creating wireframes, prototypes, user flows and process flows from conception through to delivery
• Ability to clearly and effectively communicate design processes, ideas, and solutions with both technical and non-technical stakeholders
• Up-to-date knowledge of design software

THE COMPETENCIES WE’RE AFTER

• User-centered design approach
• Excellent communication and collaboration skills
• Creative and imaginative - entrepreneurial spirit and ability to think with critical judgment
• Excellent attention to detail
• Ability to roll up your sleeves
• Problem-solving capability
• Good prioritization and time management skills
• Deadline driven - you know what success looks like and how to measure it
• Able to live, demonstrate and get excited about the Lulalend values
• Comfortable working in a start-up environment

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Responsibilities will include but are not limited to:

• Effectively respond to high volumes of incoming business funding applications from new customers.
• Accurately analyse and interpret business funding applications from new clients. Understand which applications are ready to progress to the next phase of assessment, and which require additional information or should be declined.
• Successfully convert applications that have been approved by our Credit Risk team into funding disbursals.
• Consistently excel in meeting business and individual targets
• Provide comprehensive reporting on your sales pipeline
• Alongside the handling of incoming applications, timeously manage other tasks that are essential to delivering the highest level of customer service
• Be familiar with and follow the agreed business rules and processes to ensure credit is granted to a customer with the highest level of integrity

THE COMPETENCIES WE’RE AFTER

• Self starter
• Agile
• Customer obsessed
• Problem solver
• Tech Savvy
• Target driven
• Able to build relationships and interact on a personalized level

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• Exceptional sales skills - listening to and interpreting customer problems/needs, thorough knowledge of the product one is selling and its benefits
• Minimum 1-2 years experience within a financial services sales environment
• Target driven, ability to work under high levels of pressure with a track record of consistently excelling in meeting sales targets
• High level of understanding of financial statements, business/supplier contracts, SARS e filing for business, payment gateways and accounting software (Advantageous)
• Strong administrative skills
• Degree or diploma in finance, business or accounting (Desirable)
• Previous work experience in a startup (Desirable)
• Familiar in working in G-suite
• Familiar in working with CRM platforms such as Zendesk, Freshdesk, etc