Credit Analytics Data Scientist: Risk Modeling & Insights

GoTyme Bank Corporation; Johannesburg; On-site; ZAR 700,000 - 1,200,000; Full time

Benefits offered by this job

Life Cover

Health Insurance

Retirement Annuity

Access to company shares

Wellness days

Job summary

GoTyme Bank Corporation is seeking a Data Scientist in South Africa to assess and mitigate credit risk for MCA SA. You will build and monitor scorecards, features, and provisioning models, and partner with data engineers to productionize analytics.

You will analyse customer and business health data to identify drivers of risk, support portfolio analytics, and collaborate across teams to embed data-driven decisions in underwriting and product strategy.

Qualifications

• Degree in Data Science, Statistics, Mathematics, or related quantitative field.
• 3+ years of experience in data science, credit analytics, or credit risk management within a bank, fintech, lender, or consulting environment.
• Strong background in statistical modelling, machine learning, and predictive analytics.
• Proficiency in Python and SQL; experience building and validating credit risk models.

Responsibilities

• Develop, implement, and maintain acquisition scorecards and models to evaluate MCA applicants.
• Build and iterate credit risk features and model inputs with engineering and modellers.
• Monitor models and analytics dashboards for drift, performance, and data quality.
• Design experiments for policy changes and assess impact on risk and portfolio performance.
• Collaborate with product, finance, and operations to embed data-driven decisions.

Skills

Statistical modelling

Machine learning

Predictive analytics

Communication

Cross-functional collaboration

Education

Degree in Data Science/Statistics/Mathematics

Tools

Python

SQL

Job description

GoTyme Bank Corporation is seeking a Data Scientist in South Africa to assess and mitigate credit risk for MCA SA. You will build and monitor scorecards, features, and provisioning models, and partner with data engineers to productionize analytics.

You will analyse customer and business health data to identify drivers of risk, support portfolio analytics, and collaborate across teams to embed data-driven decisions in underwriting and product strategy.