Credit Risk Data Scientist

Lula; Wes-Kaap; On-site; ZAR 700,000 - 950,000; Full time

Job summary

Lula is seeking a Credit Risk Management Data Scientist to design, deploy and modernise advanced credit risk models and strategies that steer our funding decisions and profitability across the credit lifecycle.

You will work across Credit Modeling, Credit Risk Strategy and Credit Insights to transform data into actionable intelligence and support regulatory compliance while driving growth for SMEs in South Africa.

Qualifications

• 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 using SQL in data analytics and Python in data analytics.

Responsibilities

• Support the development and enhancement of credit models used to inform the funding decision, including scorecards, affordability, pricing, take-up 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 optimisation.

Skills

Data analytics

Education

Numerical degree (math/stats/finance/data science)

Tools

SQL

Python

Job description

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.

Your primary mission is to design, deploy, and modernise the sophisticated credit risk models and strategies that drive our funding decisions, ensure regulatory compliance, and maximise profitability across the credit lifecycle.

KEY RESPONSIBILITIES:

• 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 optimisation.

THE COMPETENCIES WE'R AFTER

• 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

THE EXPERIENCE WE'R LOOKING FOR

• 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