Credit Policy & Risk Leader — Data-Driven Growth

Unifi Africa; Stellenbosch; On-site; ZAR 900,000 - 1,500,000; Full time

Job summary

Unifi Africa is seeking an experienced Credit Policy professional to shape and improve our credit framework across Africa, with a focus on consumer risk management in Stellenbosch. You will oversee policy, pricing, limits and provisioning, using data and analytics to balance risk and growth.

You will design experiments, translate insights into actionable policy, and collaborate with Operations, IT and Data teams to implement changes that enhance client experience while safeguarding profitability.

Qualifications

• 5–8+ years in consumer credit risk shaping credit policy, pricing and scorecut-offs.
• Degree in a quantitative field ( Statistics/Actuarial Science/ Mathematics/ Economics/ Finance ).
• Advanced SQL/Python skills and experience with large data sets (BigQuery or similar).
• Deep understanding of credit scoring, risk-based pricing and portfolio analytics.
• Experience designing credit experiments and translating analyses into policy decisions.

Responsibilities

• Shape and maintain Unifi's credit policy, ensuring clarity and local relevance.
• Improve access to credit by simplifying client experiences and reducing friction.
• Analyze and adjust credit limits, pricing, provisioning and scorecut-offs.
• Design and run controlled credit experiments and measure impact.
• Translate scoring models into practical credit rules and ensure implementation.

Skills

Credit risk analytics

SQL and Python

BigQuery experience

Policy development

Stakeholder management

Education

Statistics/Actuarial/Math/Economics/Finance degree

Tools

BigQuery

Job description

Unifi Africa is seeking an experienced Credit Policy professional to shape and improve our credit framework across Africa, with a focus on consumer risk management in Stellenbosch. You will oversee policy, pricing, limits and provisioning, using data and analytics to balance risk and growth.

You will design experiments, translate insights into actionable policy, and collaborate with Operations, IT and Data teams to implement changes that enhance client experience while safeguarding profitability.