{"id":160729,"url":"https://alion.io/job/lula-credit-risk-data-scientist","title":"Credit Risk Data Scientist","company":{"id":57348,"name":"Lula","domain":"lula.co.za","url":"https://alion.io/company/lula","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Breezy","truth_index":null},"role":"Data Science","role_family":"Data Science","seniority":"junior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Cape Town, South Africa"],"countries":["ZA"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false},{"name":"Azure","optional":true},{"name":"GitHub","optional":true},{"name":"Snowflake","optional":true}],"status":"live","first_seen_at":"2026-08-11T13:57:51Z","employer_posted_date":"2026-08-11","last_verified_at":"2026-10-31T01:25:51Z","board_verified":true,"closed_at":null,"days_open":80,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":80},"description":"OVERALL PURPOSE\nAs 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.\nYour 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.\nKEY RESPONSIBILITIES:\nSupport 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.\nMonitor and investigate book performance to drive growth and control credit risk.\nReview and define data-driven credit risk policies, strategies, affordability design, test frameworks, offer terms and profit optimization.\nTHE COMPETENCIES WE’RE AFTER\nData access, transformation and aggregation\nData driven credit risk strategy design, deployment and tracking\nModel development and monitoring will be beneficial\nUnderstanding of credit risk management fundamentals\nA passion to drive positive change in South Africa by growing small and medium enterprises\nCuriosity supported by high levels of analytical thinking/problem solving\nStrong team player that helps us win as one\nCan work independently with high internal ambition\nUnderstanding of small business lending will be beneficial\n\nTHE EXPERIENCE WE’RE LOOKING FOR\nMust have a numerical degree (e.g. mathematics, statistics, finance, data science).\nMust have at least 2 years credit risk data analytics experience.\nMust have at least 2 years experience in actively using SQL in data analytics\nMust have at least 2 years experience in actively using Python in data analytics\nOUR TECH STACK\nAzure\nSnowflake\nDBT\nPython\nSQL\nHex\nGitHub","description_format":"text","description_chars":1992,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Business & SME Lending","Digital Banks & Neobanks"],"lifecycle":[{"event":"open","at":"2026-08-11T13:57:51Z"}],"visa":[],"liveness":{"score":13,"band":"cold","label":"Long shot","p_open":1,"p_active":0.479,"p_room":0.28,"age_days":79,"expected_fill_days":35,"reasons":["conf:2","velocity","win:tail","crowd:junior"],"computed_at":"2026-10-30T05:48:23Z"},"pay":null,"html_url":"https://alion.io/job/lula-credit-risk-data-scientist","json_url":"https://alion.io/job/lula-credit-risk-data-scientist.json","meta":{"generated_at":"2026-10-31T03:23:28Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":4751,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-01T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":57348},"rest":"https://alion.io/mcp/rest/get_company?id=57348"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Flula-credit-risk-data-scientist"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Flula-credit-risk-data-scientist"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Flula-credit-risk-data-scientist"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/lula-credit-risk-data-scientist\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Flula-credit-risk-data-scientist"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":160729}},{"tool":"search_jobs","arguments":{"company":"lula.co.za","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":160729},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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