Risk Data Scientist

You’ll join a high-impact analytics team supporting an SME lending (Merchant Cash Advance) business, where your work directly influences credit decisioning and portfolio performance.

This is a hands‑on role for a true data scientist—someone who can pull, prep, and analyse their own data, build robust models (beyond reporting), and partner closely with the business in a fast‑moving, lean environment. The team is primarily Cape Town‑based and typically works in a hybrid setup (around 2–3 days in office).

• Build and refine quantitative models to support SME lending decisions, including credit risk and cash flow modelling approaches.
• Develop and evaluate machine learning models (e.g., tree‑based/boosted models) and translate findings into clear, actionable recommendations.
• Pull, clean, and prepare data independently using SQL and/or Python, ensuring analysis is reproducible and fit for purpose.
• Partner closely with business stakeholders (e.g., credit, operations, collections) to understand problems, define success metrics, and deliver analytical solutions.
• Support model handover to engineering for production deployment by documenting assumptions, features, and performance considerations.
• Own and drive analytical work streams end‑to‑end, operating effectively in a fast‑moving, lean team environment.

• Bachelors or Masters degree in Statistics, Mathematics, Computer Science, Engineering, or a related field.
• 4+ years of experience in data science, with expertise in predictive modeling and machine learning.
• Strong proficiency in Python or R, SQL (Big Query), and data visualization tools (Tableau, Looker Studio).
• Experience with machine learning algorithms and big data technologies (GCP, Hadoop, Spark).
• Excellent communication, problem‑solving, and analytical skills.
• Strong business acumen and ability to work independently or within a team.