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Sid Deschamps is a seasoned credit risk analyst with extensive experience in assessing loan applications and determining credit worthiness. Currently serving as a Senior Credit Risk Analyst at Lula since October 2019, Sid manages applications up to R5 million, showcasing a robust capability in financial analysis. Previous roles include positions as an Experienced Credit Analyst and Credit Analyst, where responsibilities involved evaluating clients’ ability to repay loans and working in collections. Prior to credit analysis, Sid held positions at the University of the Western Cape as a Project Assistant and Student Assistant, aiding in administrative tasks and student support. Sid began a professional journey in sales and marketing as a Brand Ambassador for Samsung and as a Sales Assistant at Indigo Cosmetics. Educational qualifications include a Bachelor's degree in Business Management and Information Systems from the University of the Western Cape, along with multiple TEFL certifications.