Senior Credit Risk & Decision Scientist

Weaver Fintech Ltd; Cape Town; On-site; ZAR 1,000,000 - 1,400,000; Full time

Job summary

Weaver Fintech Ltd is seeking a Senior Credit Risk Analyst for PayJustNow in Cape Town. You will turn fragmented data into a single decision-ready view, building and monitoring scorecards across BNPL and retail loan portfolios.

You will own model development, validation, and governance, and design end-to-end origination strategies with focus on profitability and risk control. The role requires building reliable data pipelines, conducting feature engineering, and leading champion/challenger

Qualifications

• Own the full model lifecycle for application, behavioural, affordability and collections scorecards.
• Engineer features from multiple data sources and apply binning and WoE/IV analyses.
• Validate models with out-of-time tests, Gini/KS/AUC, and fairness checks.
• Present models to risk committees and assist deployment into production.

Responsibilities

• Data optimisation across silos to create a unified, decision-ready customer view.
• Design and monitor consolidated credit data mart / feature store.
• Develop, validate and deploy scorecards for BNPL and retail loans.
• Define origination policy rules, cut-offs and affordability checks.
• Lead champion/challenger testing and optimisation of decision strategies.
• Collaborate with Fraud, Product, and Finance on risk and profitability metrics.

Skills

Data integration

Scorecard development

Model risk

Logistic regression

Gradient boosting

SHAP explainability

A/B testing

SQL querying

Tools

SHAP

Job description

Weaver Fintech Ltd is seeking a Senior Credit Risk Analyst for PayJustNow in Cape Town. You will turn fragmented data into a single decision-ready view, building and monitoring scorecards across BNPL and retail loan portfolios.

You will own model development, validation, and governance, and design end-to-end origination strategies with focus on profitability and risk control. The role requires building reliable data pipelines, conducting feature engineering, and leading champion/challenger