PayJustNow is on the hunt for a seasoned Credit Risk Analyst to help us shape the future of inclusive finance in South Africa. While we’re known for our BNPL offering, our ambitions span far wider—touching lending, insurance, and other financial products that improve lives.
 
This is not your average credit risk role. You’ll be working across multiple product lines, engaging with diverse stakeholders, and helping build scalable, data-driven risk frameworks that support innovation and responsible growth.

What You’ll Be Doing
Integral to the development of credit risk strategies across multiple product verticals.
Build and refine monthly credit risk packs and predictive models.
Collaborate with internal teams and external partners to ensure seamless execution of risk strategies.
Monitor key metrics, collections performance, and champion-challenger tests.
Use data to solve complex business problems across profitability, marketing, and operations.
Provide strategic insights to senior leadership and contribute to cross-functional projects.

What You’ll Bring

• A numerate degree (BSc, BCom, B Bus Sci, B Eng.).
• 2+ years in credit risk analysis, ideally across fintech, lending, or insurance.
• Advanced skills in SQL, Excel, PowerBI; Python, R, Snowflake or SAS a plus.
• Proven ability to build models, interpret data, and influence decision-making.
• Experience working in agile, multi-disciplinary teams.

What We Value

• Customer obsession and curiosity.
• Accountability and ownership.
• Insight-led thinking and timely execution.
• Team spirit, inclusivity, and a sense of fun.

Why Join Us?
At PayJustNow, you’ll be part of a passionate team building tech that matters. You’ll work on products that touch real lives, in a culture that values innovation, collaboration, and impact.

Ready to shape the future of fintech with us? Apply now or tag someone who’d be perfect for this role!