Credit Risk Data Scientist
At a glance
Mid-level Data Science role at Lula. Cape Town · full-time.
Pay not stated Data Science salary
dataroles summary, based on the employer's posting.
What you'll do
- Build and improve scorecards, affordability, pricing, take-up and profit models used to guide funding decisions
- Track lending book results and investigate shifts to support growth while managing credit exposure
- Shape and assess risk rules, affordability approaches, test plans, offer terms and profit improvements
- Work across credit modeling, risk strategy and credit insights to turn data into practical guidance
What you bring
- A degree in a quantitative subject such as mathematics, statistics or finance
- At least two years of credit risk data analytics experience
- At least two years using SQL for analytics work
- At least two years using Python for analytics work
Who this fits
This mid-level role suits someone who can combine analytical problem-solving with independent work and close teamwork. Experience with model development, monitoring or small-business lending would be useful.
From the employer
OVERALL PURPOSE
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 modernize the sophisticated credit risk models and strategies that drive our funding decisions, ensure regulatory compliance, and maximize 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 optimization.
THE COMPETENCIES WE’RE 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’RE 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
OUR TECH STACK
- Azure
- Snowflake
- DBT
- Python
- SQL
- Hex
- GitHub
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