Data Analyst / Product Owner

About Us

Credit Solutions, a company within 4finance Group, is one of Europe’s largest digital consumer lenders. We provide fast and convenient financial solutions in a digital world, leveraging automation and data-driven insights to offer various types of loans designed to meet our customers’ needs in a responsible way.

At Credit Solutions, we have an entrepreneurial mindset, strive for excellence, yet keep things simple. Our business is driven by leading-edge technology and our talented people – the most important ingredient of our success. Credit Solutions has created a supportive, rewarding, and empowering environment where employees can grow their talent. We are proud to have a global network of leading experts who are driven by passion to deliver. We love what we do!

Join our team! We are looking for a Data Analyst / Product Owner in our Cape Town office!

Location

Cape Town, South Africa

Who we are looking for

• Independent Middle / Senior analysts who can work autonomously
• Specialists with strong analytical thinking and well-developed problem-solving skills
• Professionals who are ready to take ownership of results, not only deliver analytics
• Professionals who can build, improve, and scale processes, not just follow them

Functional Scope of Responsibility

• End-to-End Customer Journey: Responsible for the end-to-end customer journey related to loan origination and repeat lending.
  • Onboarding & Initial Conversion: Managing the customer path from the first visit to the website or mobile app. Driving customers to complete the full application, pass all verification steps, and accept the loan offer after approval.
  • Repeat Sales: Bringing customers back after loan closure through structured repeat-lending strategies. Working with the eligible customer base for repeat loans.
  • Communications as the Key Tool: Designing, setting up, and launching communication strategies. Developing communication flows to return customers to the loan application process and support repeat disbursements.

Role Overview

The following hybrid skill set, which combines several functions, is required:

• Data Analyst:
  • Hands-on work with data on a daily basis
  • Funnel analysis, conversion tracking, and churn/drop-off analysis
• Customer Journey Product Owner:
  • The customer journey is treated as a product, fully owned by the role
  • The main goal is to make the customer journey as simple, fast, and frictionless as possible
• Business / System Analyst (minor focus):
  • Preparation and documentation of BRDs and functional requirements
  • Understanding how technical solutions are embedded into the customer journey

Technical Skills

• SQL, Python, BI tools, workflow orchestration (e.g., Airflow), and experience working with DWH and large datasets
• Understanding of event-based analytics, funnels, and conversion metrics

Education

• Higher education in Mathematics, Statistics, Computer Science, Economics, or Finance
• A strong analytical background is more important than a specific diploma

Nice to have

• Experience in fintech, lending, or digital financial products
• Understanding of customer journey management (CJM)
• Experience working with CRM and communication tools (email, push, SMS, in-app)

We are offering

• An opportunity to work in an international company within a dynamic, competitive, and fast-paced industry
• Involvement in challenging projects where your contributions will have a tangible impact
• A supportive and collaborative team environment with great colleagues
• Opportunity to work from home after the probation period
• Monthly salary starting from 3000 EUR gross

Employment Type

Permanent