{"id":3875693,"url":"https://alion.io/job/tymebank-data-scientist-credit-analytics","title":"Data Scientist (Credit Analytics)","company":{"id":61747,"name":"TymeBank","domain":"gotyme.co.za","url":"https://alion.io/company/gotyme-co-za","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":null},"role":"Data Science","role_family":"Data Science","seniority":null,"employment_type":null,"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":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Machine Learning","optional":false},{"name":"Python","optional":false},{"name":"SQL","optional":false},{"name":"AWS","optional":true},{"name":"Azure","optional":true},{"name":"Bitbucket","optional":true},{"name":"Databricks","optional":true},{"name":"GCP","optional":true},{"name":"Git","optional":true},{"name":"Google BigQuery","optional":true},{"name":"Snowflake","optional":true}],"status":"live","first_seen_at":"2026-11-06T16:11:01Z","employer_posted_date":"2026-11-06","last_verified_at":"2026-11-10T14:34:02Z","board_verified":true,"closed_at":null,"days_open":4,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":4},"description":"The Data Scientist will play a pivotal role in assessing, analysing, and mitigating credit risks within the MCA SA Credit Analytics team at GoTyme. Working end-to-end from data exploration through to production-aligned features and monitoring, the candidate will use data, feature engineering, and experimentation to improve credit decisioning and portfolio performance for the Merchant Cash Advance product.\nCredit Risk Modelling\nDevelop, implement, and maintain acquisition scorecards and models to evaluate MCA applicants.\nBuild and iterate credit risk features and model inputs (behavioural signals, affordability proxies, stability-tested transformations), partnering closely with senior modellers and engineering.\nContribute to the development and improvement of predictive models using modern machine learning approaches, with a focus on robustness, stability, and deployability.\nMonitor provision models aligned with regulatory and accounting standards.\nEnhance portfolio monitoring tools and dashboards to track credit performance and early warning signals, including drift, stability, segment performance, and data quality checks.\nData Analysis & Insights\nAnalyse customer, transactional, repayment, and business health data to identify drivers of risk, loss, approval rates, and customer outcomes.\nIdentify trends, correlations, and anomalies that impact take up rate, credit performance and portfolio stability.\nSupport portfolio analytics: vintage analysis, roll-rates, migration, early warning indicators, collections funnel analytics, and loss driver deep-dives.\nCollaborate with product, finance, and operations teams to embed data-driven decision-making.\nCredit Policy & Experimentation\nDesign, run, and evaluate credit policy experiments (cut-offs, limits, pricing/risk trade-offs, segment strategies), including post-implementation reviews.\nDevelop segmentation and behavioural models to drive proactive portfolio management.\nSupport stress testing and scenario analysis.\nInnovation & Automation\nDesign and deploy machine learning models for predictive credit risk assessment.\nLeverage advanced analytics to streamline underwriting and risk monitoring processes.\nContinuously explore new data sources and analytical methods to improve risk evaluation.\nWork with Data/Engineering to improve data definitions, quality, lineage, and reproducible pipelines; document feature logic and assumptions.\nGovernance & Documentation\nContribute to governance documentation including model inputs, feature catalogues, monitoring evidence, and change logs. \nEnsure all modelling work meets internal standards and applicable regulatory requirements.\nRequirements\nDegree in Data Science, Statistics, Mathematics, or a related quantitative field\n3+ years of experience in data science, credit analytics, or credit risk management within a bank, fintech, lender, or consulting environment\nEssential\nStrong background in statistical modelling, machine learning, and predictive analytics.\nProficiency in Python and/or SQL.\nExperience building and validating credit risk models, including scorecards and provisioning models.\nSolid grounding in predictive model evaluation - ranking performance, calibration, and stability - and business impact measurement.\nExposure to advanced machine learning concepts (ensemble methods, cross-validation, hyperparameter tuning) and the ability to apply them responsibly in production settings.\nStrong business acumen with the ability to communicate insights to both technical and non-technical stakeholders.\nCurious and pragmatic, focused on measurable outcomes; comfortable working in detail and iterating quickly while maintaining quality.\nCollaborative and able to work across markets and time zones.\nDesirable\nExperience in SME lending, merchant cash advances, or alternative credit products.\nFamiliarity with IFRS 9, Basel, or equivalent credit risk regulatory frameworks.\nExperience with bureau data, open banking/transactional data, device/behavioural signals, or alternative data sources.\nExposure to cloud-based data platforms (Databricks, BigQuery, Snowflake, AWS, GCP, or Azure) and version control (Git/Bitbucket).\nFamiliarity with model monitoring, governance, and documentation practices in regulated environments.\nBenefits\nOur Benefits Include:\nComprehensive Group Life Cover\nLife Cover\nFuneral Cover\nGlobal Education Protector\nDisability Cover (incl. Contribution Protector)\nSevere Illness Benefit\nHealthcare That Works for You\nFull company contribution to Health Insurance for eligible employees.\nPartial company contribution to Medical Aid (Key Health or Discovery) options for eligible employees.\nPlan for Your Future\nAccess to a Retirement Annuity, with convenient payroll deductions to help you save for retirement while benefiting from applicable tax advantages.\nOther benefits include: \nEAP support (counselling, financial and legal for you and anyone financially dependent on you). \nCompetitive, industry-benchmarked salaries. \nNon-guaranteed performance bonuses. \nAccess to company shares (T's & C's apply). \nWellness days. \nSocial clubs. \nOn-site barista.","description_format":"text","description_chars":5114,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Health insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Digital Banks & Neobanks"],"lifecycle":[{"event":"open","at":"2026-11-06T16:11:01Z"}],"visa":[],"liveness":{"score":78,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.827,"p_room":0.945,"age_days":3,"expected_fill_days":6,"reasons":["conf:3","velocity","win:mid"],"computed_at":"2026-11-10T06:52:35Z"},"pay":null,"html_url":"https://alion.io/job/tymebank-data-scientist-credit-analytics","json_url":"https://alion.io/job/tymebank-data-scientist-credit-analytics.json","meta":{"generated_at":"2026-11-10T16:40:35Z","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":4372,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-11T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"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":61747},"rest":"https://alion.io/mcp/rest/get_company?id=61747"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Ftymebank-data-scientist-credit-analytics"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":2,"usd":0.2},"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%2Ftymebank-data-scientist-credit-analytics"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"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%2Ftymebank-data-scientist-credit-analytics"},{"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/tymebank-data-scientist-credit-analytics\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Ftymebank-data-scientist-credit-analytics"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3875693}},{"tool":"search_jobs","arguments":{"company":"gotyme.co.za","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3875693},"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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