Credit Risk Data Scientist

Techrepo.co.za; Cape Town; On-site; ZAR 600,000 - 900,000; Full time

Job summary

Lula is seeking a Credit Risk Management Data Scientist in Cape Town to design, deploy, and modernize sophisticated credit risk models and strategies across the credit lifecycle. You will support credit modeling, risk strategy, and insights to turn complex data into actionable intelligence.

Responsibilities include developing scorecards, affordability and pricing models, monitoring book performance, and shaping data-driven risk policies while driving growth for SMEs.

Qualifications

• Must have a numerical degree and strong analytical skills.
• Minimum 2 years of credit risk data analytics experience.
• At least 2 years of SQL experience in data analytics.
• At least 2 years of Python experience in data analytics.

Responsibilities

• Design, deploy, and modernize credit risk models and strategies to drive funding decisions.
• Develop and enhance credit models (scorecards, affordability, pricing, take-up, profit).
• Monitor book performance to drive growth and control risk.
• Define data-driven credit risk policies, strategies, designs, test frameworks, and profitability optimization.
• Handle data access, transformation and aggregation for risk analytics.
• Design, deploy and track data-driven credit risk strategies.

Skills

Python

SQL

Azure

Snowflake

DBT

Hex

GitHub

Education

Numerical degree (e.g. mathematics, statistics, finance, data science)

Tools

DBT

Hex

GitHub

Snowflake

Azure

Job description

Job Description

About the Role

As a Credit Risk Management Data Scientist, you will play a pivotal role in analysing and defining the credit risk strategies and driving growth initiatives for Lula. Working within a high-impact team, you will support three core verticals (Credit Modeling, Credit Risk Strategy, and Credit Insights) to transform complex data into actionable intelligence.

Responsibilities

• Your primary mission is to design, deploy, and modernize the sophisticated credit risk models and strategies that drive our funding decisions, ensure regulatory compliance, and maximize profitability across the credit lifecycle.
• Support the development and enhancement of credit models used to inform the funding decision. These include scorecards, affordability, pricing models, take-up models and profit models.
• Monitor and investigate book performance to drive growth and control credit risk.
• Review and define data-driven credit risk policies, strategies, affordability design, test frameworks, offer terms and profit optimization.
• Data access, transformation and aggregation
• Data driven credit risk strategy design, deployment and tracking
• Model development and monitoring will be beneficial
• Understanding of credit risk management fundamentals
• A passion to drive positive change in South Africa by growing small and medium enterprises
• Curiosity supported by high levels of analytical thinking/problem solving
• Strong team player that helps us win as one
• Can work independently with high internal ambition
• Understanding of small business lending will be beneficial
• Must have a numerical degree (e.g. mathematics, statistics, finance, data science).
• Must have at least 2 years credit risk data analytics experience.
• Must have at least 2 years experience in actively using SQL in data analytics
• Must have at least 2 years experience in actively using Python in data analytics
• Azure
• Snowflake
• DBT
• Python
• SQL
• Hex
• GitHub