Stellenbosch: Data Scientist – Credit Risk Modeller posted by Unifi Africa Ltd

About Unifi Unifi is redefining credit and data in Africa with simple, fast personal loans delivered through online, mobile and branch channels. We make life easy for thousands of clients across Zambia, Kenya, Uganda, Tanzania and South Africa. Unifi has conviction in the African continent and its people, and our products enable our clients to achieve even more. As one of the fastest-growing lenders in East Africa, we combine exceptional client service with the very best tech and data analytics. Learn more about Unifi at: www.unifi.credit/about The Role Unifi is recruiting a Data Scientist Credit Risk Modeller with experience in GCP (Google Cloud Platform) and its products like LookerStudio, Colab and BigQuery. In this role, you will analyze complex data sets, create insightful visualizations, and work closely with stakeholders to develop solutions that support data-driven decision-making. You will be responsible for extracting insights, identifying trends, building predictive models and presenting findings to enhance operational efficiency and optimize business processes. The ideal candidate is analytically skilled, self-driven, adaptable to an unstructured management environment, and passionate about African business, with a sense of adventure and humor. Responsibilities Data Collection and Cleaning: Collect, extract, and compile data from various sources, ensuring accuracy and completeness. Clean, transform, and structure raw datasets for advanced analytics and predictive modeling. Identify and resolve data quality issues, inconsistencies, and anomalies. Utilize technologies such as SQL, Python, and BigQuery, while staying up-to-date with the latest trends and developments in data analytics. Data Analysis and Interpretation: Perform exploratory data analysis to identify trends, patterns, and relationships within the data. Apply statistical techniques, data visualization and predictive modeling to generate actionable insights. Translate business problems into rigorous analytical frameworks and model designs. Build and maintain multiple predictive models end-to-end, from feature engineering to deployment-ready solutions. Implement robust validation frameworks and monitor models for performance, stability, and drift. Collaborate with stakeholders to understand business requirements and translate them into analytical approaches. Reporting and Visualization: Create visualizations, dashboards, and reports using Google Looker to effectively communicate data insights to stakeholders. Develop and maintain standardized reporting templates and data visualization tools. Present findings in a clear and concise manner, tailoring the information to the needs of the audience. Data-driven Decision Making: Collaborate with cross-functional teams to support data-driven decision-making processes. Provide analytical support for business initiatives, including market analysis, customer segmentation, and performance tracking. Identify opportunities for process improvement, operational efficiency, and revenue optimization through data analysis. Data Governance and Security: Ensure compliance with data governance policies, data protection regulations, and security protocols. Adhere to data privacy and confidentiality standards when handling sensitive information. Contribute to the development and maintenance of data dictionaries and documentation. Continuous Learning and Development: Stay updated on industry trends, best practices, and emerging technologies in data analysis. Expand knowledge of statistical techniques, data modelling, and data visualization tools. Participate in training programs, workshops, and professional development opportunities. Requirements Bachelor’s or Master’s degree in a relevant field ( Mathematics, Statistics, Computer Science, Data Analytics/Science) Proven experience as a Data Scientist or in a similar analytical role, with demonstrated expertise in the credit industry. Proficiency in data analysis tools such as GCP (Google Cloud Platform), Google BigQuery, SQL, Python, and data visualization tools like Google LookerStudio. Strong analytical and problem-solving skills with keen attention to detail. Ability to handle and analyze large datasets efficiently. Experience with statistical analysis techniques and data modeling. Excellent communication and presentation skills. Proficiency in Microsoft Excel and other data manipulation tools. Familiarity with data governance principles and best practices. Knowledge of data privacy regulations and compliance standards is a plus