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Data Scientist – Credit Risk Modeller

Unifi Credit|Posted 10 hours ago

Skills and experience

Role:Data scientist
Experience in role:5+ years
Language proficiency:English
Must-have skills:
    BigQuery
    SQL

Location and salary

Remote policy:Hybrid
Location of job:Stellenbosch Ward 17, Stellenbosch Local Municipality, South Africa
Visa requirements:Authorised to work in South Africa With status of citizen/passport holder, permanent resident or work permit/visa holder
Visa sponsorship:Unable to sponsor visa
Employment type:Permanent

Role description

Join Unifi, one of the fastest-growing lenders in East Africa, where we're redefining credit and data across Zambia, Kenya, Uganda, Tanzania, and South Africa. As a Data Scientist – Credit Risk Modeller, you'll be at the heart of our mission to deliver simple, fast personal loans through cutting-edge tech and data analytics. We combine exceptional client service with the very best technology, and we're looking for someone who shares our conviction in the African continent and its people. In this role, you'll analyze complex datasets using GCP tools like BigQuery, LookerStudio, and Colab to drive data-driven decision-making across the organization. You'll be responsible for the full modeling lifecycle—from data collection and cleaning to building end-to-end predictive models, creating insightful visualizations, and presenting findings to stakeholders. Your work will directly enhance operational efficiency, optimize business processes, and support our rapid growth. You'll collaborate with cross-functional teams to translate business problems into rigorous analytical frameworks, identify opportunities for revenue optimization, and ensure robust model performance monitoring. We're seeking someone analytically skilled and self-driven who thrives in an unstructured environment. The ideal candidate brings proven experience in credit risk modeling, proficiency in Python and SQL, strong statistical analysis capabilities, and excellent communication skills. If you're passionate about African business, ready for adventure, and bring a sense of humor to your work, you'll fit right in with our team. We offer continuous learning opportunities, professional development programs, and the chance to make a real impact in financial inclusion across Africa.

About Unifi Credit

201-500 employees

History: Unifi Credit was founded through the acquisition and amalgamation of various successful microfinance institutions in Sub-Saharan Africa. In 2015, Unity Finance in Zambia was acquired and in 2017, a stake was obtained in Ultimate Finance in Tanzania. One year later, the two businesses amalgamated with Cobol Loans and its world-class loans management system, UniBos, in South Africa. Each of these companies are, and always have been, driven by a strong focus on offering faster, simpler lending through tech, data analytics and outstanding customer service. Today, Unifi Credit employs over 250 staff members across the different countries and from our head office in Stellenbosch we offer centralised IT, credit, marketing and financial services to the group.

Mission: Our mission is to combine tech, data analytics and outstanding customer service to bring intelligent microfinance solutions to a growing number of clients across SA, Tanzania and Zambia.

Perks at Unifi Credit

Friendly working environment
Travelling (If required)
Flexible Hours
Remote Working
Casual dress code
Good Coffee
Parking bay

Tech Stack

utilities

Amazon Route 53
Amazon Route 53
Elasticsearch
Elasticsearch
Google Analytics
Google Analytics

dev ops

Ansible
Ansible
Jenkins
Jenkins
Git
Git
Docker
Docker
Gradle
Gradle
Bitbucket
Bitbucket

business tool

Slack
Slack
JIRA
JIRA

application and data

MySQL
MySQL
PHP
PHP
Java
Java
Spring Framework
Spring Framework
MongoDB
MongoDB
MS SQL
MS SQL
Groovy
Groovy

Office Photos

Unifi Credit HQ
Unity Finance Management
Team building
Unity Finance fun run

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