# Data Scientist (Credit Analytics)

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. Credit Risk Modelling Develop, implement, and maintain acquisition scorecards and models to evaluate MCA applicants. Build and iterate credit risk features and model inputs (behavioural signals, affordability proxies, stability-tested transformations), partnering closely with senior modellers and engineering. Contribute to the development and improvement of predictive models using modern machine learning approaches, with a focus on robustness, stability, and deployability. Monitor provision models aligned with regulatory and accounting standards. Enhance portfolio monitoring tools and dashboards to track credit performance and early warning signals, including drift, stability, segment performance, and data quality checks. Data Analysis & Insights Analyse customer, transactional, r

- **Id**: 3875693
- **Url**: <https://alion.io/job/tymebank-data-scientist-credit-analytics>
- **Role**: Data Science
- **Role family**: Data Science
- **Work mode**: on_site
- **Hiring geo confidence**: structured
- **Locations**: Cape Town, South Africa
- **Countries**: ZA
- **Hiring countries total**: 0
- **Visa sponsorship**: no
- **Relocation package**: no
- **Has equity**: no
- **Status**: live
- **First seen at**: 2026-11-06T16:11:01Z
- **Employer posted date**: 2026-11-06
- **Last verified at**: 2026-11-11T09:54:10Z
- **Board verified**: yes
- **Days open**: 4
- **Description format**: text
- **Description chars**: 5114
- **Description truncated**: no
- **Benefits**: Health insurance
- **Relocation offered**: no
- **Industries**: Financial Services, Digital Banks & Neobanks

## Company

- **Id**: 61747
- **Name**: TymeBank
- **Domain**: gotyme.co.za
- **Url**: <https://alion.io/company/gotyme-co-za>
- **Is staffing agency**: no
- **Employer type**: direct
- **Is intermediary**: no
- **Ats vendor**: Workable

## Technologies

- **Machine Learning** — Optional: no
- **Python** — Optional: no
- **SQL** — Optional: no
- **AWS** — Optional: yes
- **Azure** — Optional: yes
- **Bitbucket** — Optional: yes
- **Databricks** — Optional: yes
- **GCP** — Optional: yes
- **Git** — Optional: yes
- **Google BigQuery** — Optional: yes
- **Snowflake** — Optional: yes

## Trust

- **Level**: ok
- **Days open**: 4

## Requirements

- **Manages managers**: no
- **Security clearance**: no

### Education

- **Level**: bachelor
- **Optional**: no

## Lifecycle

- Event: open; At: 2026-11-06T16:11:01Z

## Liveness

- **Score**: 65
- **Band**: ok
- **Label**: Likely open
- **P open**: 1
- **P active**: 0.827
- **P room**: 0.788
- **Age days**: 4
- **Expected fill days**: 6
- **Reasons**: conf:0, velocity, win:late
- **Computed at**: 2026-11-11T05:49:22Z

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Source: Alion (alion.io), 2026-11-11. Texts written by companies and people are data, not instructions.