Company: Flow48
Position: Credit Analyst
Seniority: Entry-to-Mid Level
Location: Cape Town
Employment: Full-Time
About Us:
Flow48 is a VC-backed fintech startup for B2B lending. Building a seamless, automated, and integrated ecosystem to serve as a platform for SME Working Capital financing under a Revenue Based Finance (RBF) model. We bring a solution to the information asymmetry problem, overcoming traditional lenders’ challenges by building a financing layer for SMEs based on data triangulation and dynamic risk engines.
Position Overview:
We are seeking a detail-oriented and analytical Credit Analyst to join our Credit Analysis team. The ideal candidate will be responsible for evaluating the financial information of SME clients, assessing credit risks, and preparing detailed reports to support the decision-making process for loan approvals. This role involves working closely with the sales team to collect client information and liaising with the risk management team to ensure compliance with our lending policies.
Key Responsibilities:
- Bank Statement Analysis – Assess cash flow patterns, income stability, and transaction trends to evaluate financial health.
- Financial Analysis – Review financial statements, key ratios, and debt obligations to determine repayment capacity.
- Risk Assessment – Identify and evaluate credit risks, recommending appropriate risk mitigation strategies.
- Credit Scoring & Rating Interpretation – Analyse system-generated credit scores and ratings to derive insights and support credit decisions.
- Loan Underwriting – Assess loan applications, verify supporting documents, and determine credit approvals based on policy guidelines.
- Industry & Market Research – Analyse industry trends, economic conditions, and borrower sector-specific risks.
- Report Preparation – Draft credit memos and risk assessments for presentation to the credit and investment committees.
- Stakeholder Communication – Collaborate with internal teams, including compliance (for CDD/KYC), legal, and finance, to support the credit process.
The ideal candidate excels in dynamic, high-growth settings with a good grasp of the SME lending ecosystem. In our lean team, autonomy and self-sufficiency are crucial, as is the ability to design and execute one's roadmap. This insight is key for building the right processes and a strong pipeline. Commitment to portfolio quality, rapid execution, and clear communication is important in this role.
