🚀 We’re Hiring: Credit Evaluation Specialist

📍 Location: Johannesburg
📂 Department: Capital Connect – Credit
👤 Reports to: Head of Credit

⭐ Role Purpose

The Credit Evaluation Specialist is responsible for assessing credit applications in line with Capital Connect’s credit policy, affordability standards, and risk appetite.

This role ensures responsible lending while maintaining efficient turnaround times to support business growth. Credit evaluation is the starting point of every loan and a direct driver of revenue, portfolio quality, and long‑term sustainability.

🔍 Key Responsibilities

📊 Credit Evaluation

• Assess and evaluate incoming credit applications
• Conduct affordability and risk assessments using supporting documentation (bank statements, financial data, etc.)
• Make recommendations for approvals in line with credit policy
• Clearly document evaluation outcomes and recommendation rationale

📄 Application Quality & Compliance

• Verify completeness and accuracy of application documentation
• Identify missing, inconsistent, or unclear information and follow up with Sales teams
• Ensure evaluations adhere to compliance and responsible lending standards
• Maintain audit‑ready records

🤝 Stakeholder Communication

• Liaise with Sales teams on application status and outstanding requirements
• Handle queries and provide feedback on credit decisions
• Escalate complex, borderline, or high‑risk cases where required

⚖️ Risk & Process Support

• Identify risk trends or recurring application or documentation issues
• Contribute to continuous improvement of credit evaluation processes
• Provide subject‑matter input into automation, system enhancements, and digitisation initiatives

🎓 Minimum Requirements

Qualifications

• Matric (Grade 12) – essential
• Tertiary qualification in Finance, Business, Risk, or related field – advantageous

Experience

• 2–4 years’ experience in credit evaluation, underwriting, or credit risk analysis (advantageous)
• Experience analysing bank statements and performing affordability assessments

💡 Key Skills & Competencies

• Strong analytical and numerical ability
• High attention to detail and structured thinking
• Sound judgement and decision‑making capability
• Strong written and verbal communication skills
• Ability to manage high application volumes while maintaining quality
• High integrity and strong ethical standards
• Ability to work independently and under pressure
• Proficiency with credit evaluation systems or loan management platforms
• Understanding of regulatory frameworks including FICA, POPIA, and responsible lending principles

🌟 Our Values

At Lesaka, we are guided by four core values:
✔ Entrepreneurial Spirit – We innovate boldly and act with ownership
✔ Integrity – We operate with honesty, trust, and transparency
✔ Collective Wisdom – We collaborate and leverage shared expertise
✔ Bias to Action – We deliver with urgency, discipline, and focus

📌 Preference will be made to support EE / AA measures.

🔥 Ready to Shape Responsible Lending Decisions?

If you are detail‑driven, analytical, and passionate about responsible credit assessment that balances growth with risk — we’d love to hear from you.

📩 Apply now — or share this opportunity with an experienced Credit Evaluation Specialist!

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