Credit Risk Data Scientist — Analytics & Scorecards

GoTyme Bank Corporation; Cape Town; On-site; ZAR 700,000 - 1,100,000; Full time

Benefits offered by this job

Life Cover

Health Insurance

Disability Cover

Retirement plan

Employee stock options

Wellness days

Social clubs

On-site barista

Job summary

GoTyme Bank Corporation is seeking a Data Scientist to assess, analyse, and mitigate credit risks within the MCA SA Credit Analytics team. You’ll work end-to-end from data exploration to production-aligned features and monitoring to improve credit decisioning for the Merchant Cash Advance product.

You will build and validate scorecards, develop predictive models, and partner with engineering, product, and finance to embed data-driven decisions that enhance portfolio performance and risk controls

Qualifications

• Degree in Data Science, Statistics, Mathematics, or a 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/or SQL; experience building and validating credit risk models.
• Exposure to advanced ML concepts and production-ready deployment practices.
• Ability to communicate insights to technical and non-technical stakeholders.

Responsibilities

• Develop, implement, and maintain acquisition scorecards and models to evaluate MCA applicants.
• Build and iterate credit risk features and model inputs with engineers and senior modellers.
• Contribute to predictive models with a focus on robustness, stability, and deployability.
• Monitor provision models aligned with regulatory and accounting standards.
• Enhance portfolio monitoring tools and dashboards for drift and data quality checks.
• Analyse customer and business data to identify drivers of risk and outcomes.
• Collaborate with product, finance, and operations to embed data-driven decisions.
• Design and run credit policy experiments and segmentation strategies.
• Document feature logic, governance, and monitoring evidence.

Skills

Statistical modelling

Machine learning

Predictive analytics

Python

SQL

Credit risk modelling

Communication skills

Education

Degree in Data Science, Statistics, Mathematics, or related quantitative field

Tools

Databricks

BigQuery

Snowflake

AWS

GCP

Azure

Job description

GoTyme Bank Corporation is seeking a Data Scientist to assess, analyse, and mitigate credit risks within the MCA SA Credit Analytics team. You’ll work end-to-end from data exploration to production-aligned features and monitoring to improve credit decisioning for the Merchant Cash Advance product.

You will build and validate scorecards, develop predictive models, and partner with engineering, product, and finance to embed data-driven decisions that enhance portfolio performance and risk controls