PBT Group is looking for experienced Data Scientists to enhance their data and analytics team. You'll focus on credit risk and business performance using advanced analytics and predictive modelling in a cloud-based environment.
Dynamic and data-driven, with a focus on collaboration and innovation.
##### **Employment Type** Contract ##### **Experience** 5 to 25 years ##### **Salary** R470 to R940 ##### **Job Published** 01 June 2026 ##### **Job Reference No.** 2691283813 **Job Description** =================== PBT Group is seeking three experienced Data Scientists (Mid\-Level to Senior) to join a high\-performing data and analytics team focused on driving credit risk, lending, and business performance decisions through advanced analytics and predictive modelling. This opportunity is ideal for Data Scientists with strong experience in the credit industry, particularly in scorecard development, risk modelling, predictive analytics, and data\-driven decision making. Successful candidates will work within a modern cloud\-based analytics environment, leveraging Python, SQL, Google Cloud Platform (GCP), BigQuery, and advanced statistical techniques to build and deploy predictive models that support business growth across multiple African markets. The senior\-level position requires deep credit risk expertise and proven experience developing and implementing credit scorecards within lending or financial services environments. This is an initial 12\-month contract with a strong intention of converting to permanent employment thereafter. **Key Responsibilities** **Data Science \& Predictive Analytics** * Build, deploy, and maintain predictive models supporting credit risk, customer behaviour, collections, and business optimisation initiatives. * Develop, validate, and monitor credit scorecards and risk models. * Perform exploratory data analysis to identify trends, patterns, and opportunities within large and complex datasets. * Apply statistical modelling, machine learning, and advanced analytical techniques to solve business challenges. * Design and implement feature engineering processes to improve model performance and predictive power. * Monitor model stability, drift, and performance over time. **Credit Risk Analytics** * Develop and enhance credit risk scorecards and decisioning models. * Support lending and credit strategies through data\-driven insights and recommendations. * Analyse portfolio performance and customer behaviour to improve risk management practices. * Collaborate with business stakeholders to translate lending and credit objectives into analytical solutions. **Data Analysis \& Reporting** * Extract, transform, and analyse data from multiple sources using SQL and Python. * Develop dashboards, reports, and visualisations to communicate insights effectively. * Present analytical findings and recommendations to both technical and non\-technical stakeholders. * Support business performance analysis, customer segmentation, and operational optimisation initiatives. **Stakeholder Engagement** * Collaborate with Data Engineers, Analysts, Product Teams, Credit Teams, and Executive stakeholders. * Translate business requirements into analytical frameworks and modelling approaches. * Provide guidance and support to business users on...
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