About the Company Imagine a fast‑scaling African tech organisation focused on solving big, meaningful problems – like helping households get reliable energy or affordable smartphones in markets where access is anything but guaranteed. They build the tech, run the distribution networks, and finance the products that change day‑to‑day life for families across the continent. Thousands of field agents rely on their tools, and millions rely on their products. It is a place where trust matters, mission matters, and the work genuinely changes lives. 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; it is a “you own the commercial engine – go make it better” role. You will build forecasts, design pricing strategies, improve automated decisioning, dig deep into portfolio performance and create data‑driven recommendations that ripple through the organisation. What You’ll Actually Do Profitability & Pricing Build and refine pricing models that drive sustainable margins and simulate 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 and 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 – help teams execute, iterate and embed changes so that improvements actually show up in the numbers. Who You Are 2‑5 years of experience in analytics, credit, pricing, risk or data science. Strong SQL skills and competence in Python or R for modelling. Comfortable with credit scorecards, pricing logic or financial forecasting. Ability to separate signal from noise in behavioural data. Excellent at communicating complex ideas simply, clearly and confidently. Ownership mind‑set – you follow through until the model lands in the real world. Curious, practical and analytical with a love for solving commercial puzzles. Enjoys understanding how things work on the ground, not just in a spreadsheet. Open to travel to the countries where your work directly impacts customers. Motivated by meaning and real impact in the workplace. 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. Salt is acting as an Employment Agency in relation to this vacancy. #J-18808-Ljbffr