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
Skills Required
- Numerical degree (mathematics, statistics, finance, data science)
- At least 2 years credit risk data analytics experience
- At least 2 years using SQL in data analytics
- At least 2 years using Python in data analytics
- Experience with data access, transformation and aggregation
- Experience designing and deploying data-driven credit risk strategies
- Experience with Azure
- Experience with Snowflake
- Experience with DBT
- Experience with Hex
- Experience with GitHub
- Model development and monitoring
- Understanding of small business lending
What We Do
Lula is an innovative, and human-focused FinTech company on a mission to help small businesses make cash flow. We want to make it fast, simple, Lula for people to run their business through a digital business bank account. We’re making business banking fast, easy & human
