Senior Decision Scientist

2 weeks ago

Johannesburg, Gauteng, South Africa WePlace Full time
Gauteng, JHB - Northern Suburbs

  • Market
  • Related Cost To Company (Market related)
  • An industry leading, digitally forward Banking client has an opportunity available for a driven Senior Decision Scientist.

Purpose Statement:


To manage and lead junior decision scientists within the Credit Decision Science function to perform analysis and develop analytical models to translate active business data into usable strategic information to inform the business on any critical and measurable credit and risk indicators.


To ensure the objectives, plans, processes and standards within the Credit Decision Science function align with those of Credit Management and the Bank as a whole.


Key Tasks and Accountabilities:

  • Provide expert input in respect of Granting Model, Account Management, Collections and Recoveries in order to underpin effective and strategic credit decision management


Continuously evaluate and develop analytical models, metrics, matrices and tools for Granting Model, Account Management, Collections and Recoveries using the most appropriate tools and techniques.


Ensure appropriate governance is applied to the development, sign-off and monitoring of all analytical models, metrics, matrices and tools of the Credit Decision Science function.


Provide requirements for any analytical toolkits required by the Credit Decision Science function to perform their duties and grow their skills in line with best-in-class developments.

Use knowledge and expertise to identify growth, optimisation and improvement opportunities; including participation in bank committee meetings.


Ensure Credit Decision Science's business objectives and plan are aligned to and support Credit Management and the Bank's business strategy.

Manage the Credit Decision Science budget ensuring alignment with and adherence to Credit Management departmental budget.

Provide statistical modelling to assist in budgeting, forecasting and dynamic target setting.

Reconcile and quantify deviations from budget, forecast and targets and facilitate rolling of targets.


Use available tools to build predictive models applicable to and understandable by business and explainable to regulators; understand and incorporate operational impact on credit performance into reconciliation of credit performance to expected return on equity.


Support the quantification of expected benefit of deliverables/ new product initiatives vs cost of implementation as well as actual vs expected results after implementation.


  • Relationship and stakeholder management to facilitate, drive and deliver effective credit decision science
Contract SLAs with internal and external clients and manage expectations and deliverables.


Act as the interface between Credit Decision Science function and other credit functions as well as across the enterprise where required.

Per business problem, build alliances and relationships to ensure cooperation and collaboration.

Determine and communicate the impact of changes within the Credit Decision Science function to relevant parties across the organisation.

  • Operational management of the Credit Decision Science function


Assist with the development and implementation of operating plans and processes for the Credit Decision Science function in line with credit risk management strategies, policies and procedures.

Responsible for driving functional best practice and a clear analytical methodology;

Undertake continued professional development to maintain and build own expertise in statistical analysis / data science.


Conduct research to ensure up to date knowledge of best practice in respect of credit management, statistical analysis and data science.

Ensure the best practice is inculcated within the function and continuously applied.

Oversee and innovate the building of new concepts into best practice framework.


Ensure alignment of all analytical models to the credit risk strategy by tracking and monitoring analysis work in the different focus areas of Granting Model, Account Management, Collections and Recoveries, recommending changes where necessary.

Assist the Credit Decision Science
_ _team to ensure operational effectiveness and adherence to best practice and Agile methodology ;

Accurate scoping and identification of the business requirement

Application of statistical analysis / data science process to analyse, design, validate and propose solutions to the business problem, ensuring applicability to the Bank

Provide feedback on the outputs and solutions created

Provide support and guidance to end users of the output of Credit Decision Science in a manner which is understandable by them

Responsible for governance and quality management of the work in the Credit Decision Science function where applicable.

Knowledge, Competencies, Skills And Experience

  • Honours degree with a major in data Science / Mathematics / Statistics / Informatics / Analytics / Risk Management (i.e. B.Comm (Statistics), B. Informatics)
  • M

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