You’ll join a high-impact analytics team supporting an SME lending (Merchant Cash Advance) business, where your work directly influences credit decisioning and portfolio performance.

This is a hands‑on role for a true data scientist—someone who can pull, prep, and analyse their own data, build robust models (beyond reporting), and partner closely with the business in a fast‑moving, lean environment. The team is primarily Cape Town‑based and typically works in a hybrid setup (around 2–3 days in office).

Build and refine quantitative models to support SME lending decisions, including credit risk and cash flow modelling approaches. Develop and evaluate machine learning models (e.g., tree‑based/boosted models) and translate findings into clear, actionable recommendations. Pull, clean, and prepare data independently using SQL and/or Python, ensuring analysis is reproducible and fit for purpose. Partner closely with business stakeholders (e.g., credit, operations, collect...