SunCulture – Credit Analyst – PayG Lending.

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Department: PayG

Position: Credit Analyst – PayG Lending

Reporting to: Credit Administration Manager

About SunCulture

Founded in 2012, SunCulture’s Vision is to build a world where people take control of their environment in rewarding and sustainable ways. We do this by developing and commercializing life-changing technology that solves the biggest daily challenges for the world’s 570 million smallholder farming households. Over the last 5 years, the company has grown significantly and now has employed 100+ people around the world. 

About the Role

Working closely with the Credit Administration Manager the job holder will ensure that the institution is safeguarded against loss by ensuring accuracy, completeness and credit worthiness of PayG Lending proposals, recommending appropriate risk mitigation mechanisms and setting up relevant sanction conditions guided by pre-set customer surveys and credit scoring.

Does this sound interesting? If so, are you looking to

  • Countercheck and approve all PayG applications analyzed by credit administrators and ensure they are processed within the acceptable timelines.
  • Verify Compliance with the PayG lending policy through customer survey to inspect ability to pay, credit scoring, fulfilment of PayG contract requirements and proper documentation to ensure PayG credit risk is adequately mitigated.
  • Review all existing PayG customer relationships and make recommendations to the management to aid quality PayG customer lending.
  • Prepare drafts and or recommend proposals for a review of any PayG lending product facilities and guidelines for further review and further approval by the management.
  • Follow up with the Sales agents and credit administrators to ensure fulfilment of ALL PayG sanction conditions and other agreements prior to installation of PayG products.
  • Recommend policy reviews for customer service and PayG risk management improvement based on customer feedback, experiences and industry trends.

Knowledge and skills for the role

  • Business-related degree (CPA 2 an added advantage).
  • 3 years experience in credit analysis in a Consumer/Microfinancing and or PayG lending environment, debt collection and recovery.
  • Knowledge of alternative credit appraisal mechanisms and substitute securities like solar units/assets etc.
  • Capacity and willingness to work for long hours and within strict deadlines.
  • Excellent interpersonal skills with good leadership skills.
  • Knowledgeable in the Financial Services, Micro Finance and consumer lending sectors is a must.


Please apply online via this job page by 15th January 2022. We respond to all candidates however only shortlisted candidates will be interviewed.





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