Data Scientist - Credit Risk

Cape Town, Western Cape
Permanent
Full-time

1 month ago

Data Scientist - Credit RiskShape the Future of Credit Analytics in a Fast-Paced, High-Impact RoleData Science Hybrid (Cape Town CBD) Market Related UK Working Hours (9 - 5)About Our ClientOur client is an agile, data-driven financial services company with a strong focus on credit innovation. They operate in a fast-paced environment, leveraging advanced analytics and machine learning to deliver scalable solutions. With a culture centered on impact, strategic thinking, and hands-on problem solving, this is an ideal opportunity to shape the analytics function of a business where your work truly makes a difference.The Role: Data Scientist - Credit RiskThis is a high-impact role responsible for driving the development of credit risk scorecards and underwriting models using Python and machine learning. You'll take ownership of analytics initiatives, champion innovation in risk modelling, and apply your technical and business expertise to influence decision-making across the organization.Key Responsibilities

Design and develop credit risk scorecards and expected loss models
Build, deploy, and monitor robust credit risk models using Python and ML frameworks (e.g., scikit-learn, XGBoost, TensorFlow)
Develop underwriting innovation using AI and data-driven techniques
Maintain best practices in coding (including Git and version control), model deployment, and reproducibility
Lead and scale the development environment and tooling to ensure reliability and collaboration
Collaborate across teams to implement analytics solutions that drive business performance

About You

4- 5 years of experience in data science with a focus on credit risk modeling
Hands-on experience building scorecards and risk models (non-mortgage)
Strong Python programming skills and experience with ML libraries
Background in a non-bank lender or dynamic financial services environment preferred (e.g., Lulalend, Retail Capital, Transaction Capital, Bayport, Capitec)
Degree in a quantitative discipline (e.g., Statistics, Mathematics, Computer Science, Engineering)
Experience with AWS, Git, and AI tools is a plus
Strategic thinker with a self-driven attitude and strong business acumen
Comfortable working in a fast-paced, high-autonomy setting

The Legends Agency

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