Role Overview<\/p>\n
\tPayJustNow is seeking a highly skilled Senior Credit Risk Analyst to drive the strategic evolution of our credit, fraud, and portfolio risk capability as we scale existing products and expand into new financial services categories.
\n\tWhile we\u2019re widely recognised for transforming BNPL in South Africa, our ambitions extend into lending, insurance, and broader consumer financial wellness solutions \u2014 and robust, data\u2011driven risk leadership is essential to that mission.
\n\tThis is a senior, high\u2011impact role for someone who thrives in complexity, understands credit deeply, and wants to influence product, commercial, and operational decision\u2011making at a strategic level.<\/p>\n
What You\u2019ll Be Doing<\/p>\n
Strategic Risk Leadership<\/p>\n
\tLead the design, stress testing, and continuous optimisation of credit strategies across multiple product verticals.
\n\tOwn the development and refinement of models, scorecards, and decisioning frameworks.
\n\tPartner closely with Product, Data, Engineering, Growth, and Collections to embed scalable risk controls.<\/p>\n
Advanced Analytical Ownership<\/p>\n
\tChampion the monthly Credit Risk Pack and elevate it into an executive\u2011ready decision asset.
\n\tBuild and maintain deep portfolio insights, including vintages, behavioural trends, loss forecasting, and early\u2011warning indicators.
\n\tEvaluate and optimise champion\u2011challenger experiments, balancing growth and risk appetite.<\/p>\n
Cross\u2011Functional Influence<\/p>\n
\tTranslate complex data into stories and strategies that influence leadership, including Exco\u2011level forums.
\n\tIdentify risk\u2011related opportunities across marketing, pricing, profitability, and operational processes.
\n\tSupport regulatory preparedness across the NCA, POPIA, and internal governance frameworks.<\/p>\n
Team & Capability Development<\/p>\n
\tGuide and mentor junior analysts, helping build a strong culture of excellence within the Risk team.
\n\tContribute to the development of internal risk tooling, automation, and analytical best practice.<\/p>\n
What You\u2019ll Bring<\/p>\n
\tA numerate degree (BSc, BCom, B Bus Sci, B Eng.).
\n\t5+ years experience in credit risk or data\u2011driven financial modelling (fintech\/credit\/lending preferred).
\n\tAdvanced experience in SQL, Excel, and BI tools; Python, R, Snowflake, SAS a strong advantage.
\n\tProven ability to design and optimise credit risk models, strategies, and frameworks.
\n\tExperience in a fast\u2011paced, agile, multi\u2011disciplinary environment.
\n\tStrong storytelling skills \u2014 able to turn data into insight, and insight into high\u2011quality decisions.
\n\tA commercial lens: understanding both risk mitigation and growth enablement.<\/p>\n
Closing Date\u00a020 March 2026<\/p>\n
go to method of application \u00bb<\/p>\n
Apply via company website ( ) or<\/p>\n
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