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Credit Data Scientist

4 months ago

Sandton, South Africa Discovery Ltd. Full time

Business Unit:
Discovery Bank
Function:Banking
Date:29 Feb 2024
Credit Data Scientist

About Discovery
Discovery's core purpose is to make people healthier and to enhance and protect their lives.

We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery.

Our fast-paced and dynamic environment enables smart, self-driven people to be their best.

As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.


About Discovery Bank
Discovery Bank is a bank like no other - a shared-value bank, designed with our clients in mind.

We're all about sharing the value that clients create when they manage their money well, back with them through exceptional interest rates and rewards.

Our Vitality Money programme measures how well clients manage their finances, informs them of what it means to be financially healthy, and empowers them with the knowledge to get enhanced rewards for managing their money well.

If you're adaptable, a problem-solver, always questioning the way things are done, passionate about doing what is right, and obsessed with providing a quality service experience, we have a job for you where you can be your best in an environment that's safe and nurturing.


Job Purpose


The Credit Acquisitions Management team is responsible for the development and implementation of credit granting strategies, tracking and optimizing these strategies andto make sure that they are relevant and effective.

This requires expert analytics and the creation of optimal data assets to support monitoring, measurement and predictive model development to optimize key outcomes from a credit and client onboarding perspective.


Areas of responsibility may include but are not limited to

MI and reporting

  • Creating base data assets to enable monitoring, measurement and predictive model development to optimize key outcomes from a credit and client onboarding perspective
  • Prepare monthly performance review deck for senior management.
  • Automation of daily/monthly monitoring reports pertaining to all elements of the credit origination journey via dashboards or other userfriendly methods
  • Provide indepth analysis focused on unpacking any concerning trends observed and recommendations on the possible solutions.
  • Ad hoc analysis to support executive decision making.
Optimizing credit granting strategies- Simulating the impact of any changes/enhancements to existing strategies/decision rules

  • Automation of monthly strategy monitoring reports
  • Validation of existing and newly rolled out strategies to make sure that the system is executing the strategies as intended.
  • Propose new strategies based on review of existing strategies through indepth analytics to identify opportunities.
  • Building of propensity models that will predict future outcomes.
Operations optimisation

  • Assist the Credit Operations team to develop MI that enables effective management of the area by using scientific measures that drive optimal credit assessment outcomes
  • System Implementation
  • Work closely with the systems teams (architects & developers) to take a new idea/improvement all the way through the development life cycle up to implementationand then to monitor and optimize the outcomes as new information becomes available.
  • Assist in the design and scoping of new functionality.
  • Support the testing of any new functionality.
  • Create exception reports to ensure the implementation of changes are working as expected.
  • Documentation of highlevel business requirements
  • Stakeholder engagements
  • Present highquality analytics at various committees within the Bank.
  • Work closely with other analytical areas within the Bank (Sales, Customer Value Management, RnD) to assist on relevant projects and ensure alignment within the analytical community.
  • Engage the support teams on issues relating to system incidents, implementation of new strategies/changes and help identifying the root cause of issues by interrogating the available data.

Personal Attributes and Skills

  • A keen interest in all things data exploration, analytics and creating information from the noise
  • Resourceful and tenacious
  • Selfmotivated
  • Focused on driving results
  • Detailoriented
  • Organised and process oriented; ability to manage time effectively
  • Ability to convey complex data in a concise understandable manner and distil the key messages
  • Strong problemsolving skills
  • Ability to work effectively across varying levels of management and multidisciplinary teams
  • Strong verbal and written reporting skills.
  • Quantitative / qualitative analytical skills

Education and Experience

  • MSc/ BSc (Hons) in Statistics / Data science / Actuarial Science / Financial Maths / Applied Maths / Engineering
  • Minimum 2 years' analytical experie