Job Description

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Job Advert Summary

We are seeking a highly analytical and detail-oriented

Credit Risk Modeller

to join our Lending Team. The successful candidate will be responsible for building, validating, and maintaining credit risk models used for decision-making, calibrating, regulatory compliance, and strategic risk assessment. This role is ideal for a technically skilled individual who is passionate about data, modelling, and developing insights that drive business impact.

Hello Group i

s a South African company with a

bold

mission: to create game-changing integrated consumer and business services for migrant and marginalised communities. Our focus is on providing low-cost, easily accessible, and simple-to-use financial solutions, all powered by cutting-edge technology.

What

Hello Group

Offers

Onsite Barista

- Because life's too short for bad coffee!

Exciting Team Events

- Work hard, play harder!

Teambuilding Activities

- Get to know your teammates beyond the screen!

A Culture That Feels Like Family

- No corporate robots here--just real people doing great things!

A Top-Notch Office Space

- Where inspiration meets innovation.
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Minimum Requirements

A degree in Statistics, Actuarial Science, Mathematics, Data Science, Quantitative Risk Management, or a related field. A postgraduate degree (MSc/PhD) is advantageous. 3-7 years' experience in credit risk modelling, financial modelling, or data analytics within financial services, fintech, or consulting. Experience building credit models based on data-driven insights. Solid understanding of credit lifecycle, risk metrics, and regulatory frameworks. Experience working in a fintech or data-driven environment. Hands-on experience with statistical programming (e.g., R, Python, SAS) and data manipulation (SQL). Familiarity with modern machine learning approaches is beneficial, though not essential.
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Duties and Responsibilities

Develop, implement, and maintain models for credit risk measurement related to; + Merchant Advances
+ Consumer Advances
Create and refine credit scoring models to support lending decisions and customer lifecycle strategies. Conduct model performance monitoring, diagnostics, and ongoing validations to ensure accuracy and stability. Collaborate with Data Engineers and Business Analysts to ensure data quality and integrity for model inputs. Produce clear, well-documented model development and validation reports for governance and audit purposes. Contribute to stress testing and scenario analysis for regulatory or internal capital planning. Stay current with regulatory changes, data science trends, and modelling techniques. Engage with internal committees, governance teams, and stakeholders to explain model outcomes and support decision-making. * Support automation and integration of models into operational systems using appropriate tools and programming languages.