Weaver FinTech Group is a leading digital financial services ecosystem connecting consumers to smarter, more flexible ways to pay, borrow, and protect what matters most. Our brands — Pay Just Now and FinChoice — empower millions of South Africans through innovative Payments, Lending, and Insurance solutions.

We're a data-first organisation built on collaboration, innovation, and purpose: to make digital finance simpler, more inclusive, and more human.


Role Overview

PayJustNow is seeking a highly skilled Senior Credit Risk Analyst to drive the strategic evolution of our credit, fraud, and portfolio risk capability as we scale existing products and expand into new financial services categories. While we’re widely recognised for transforming BNPL in South Africa, our ambitions extend into lending, insurance, and broader consumer financial wellness solutions — and robust, data‑driven risk leadership is essential to that mission.

This is a senior, high‑impact role for someone who thrives in complexity, understands credit deeply, and wants to influence product, commercial, and operational decision‑making at a strategic level.

What You’ll Be Doing

Strategic Risk Leadership

• Lead the design, stress testing, and continuous optimisation of credit strategies across multiple product verticals.
• Own the development and refinement of models, scorecards, and decisioning frameworks.
• Partner closely with Product, Data, Engineering, Growth, and Collections to embed scalable risk controls.

Advanced Analytical Ownership

• Champion the monthly Credit Risk Pack and elevate it into an executive‑ready decision asset.
• Build and maintain deep portfolio insights, including vintages, behavioural trends, loss forecasting, and early‑warning indicators.
• Evaluate and optimise champion‑challenger experiments, balancing growth and risk appetite.

Cross‑Functional Influence

• Translate complex data into stories and strategies that influence leadership, including Exco‑level forums.
• Identify risk‑related opportunities across marketing, pricing, profitability, and operational processes.
• Support regulatory preparedness across the NCA, POPIA, and internal governance frameworks.

Team & Capability Development

• Guide and mentor junior analysts, helping build a strong culture of excellence within the Risk team.
• Contribute to the development of internal risk tooling, automation, and analytical best practice.

What You’ll Bring

• A numerate degree (BSc, BCom, B Bus Sci, B Eng.).
• 5+ years experience in credit risk or data‑driven financial modelling (fintech/credit/lending preferred).
• Advanced experience in SQL, Excel, and BI tools; Python, R, Snowflake, SAS a strong advantage.
• Proven ability to design and optimise credit risk models, strategies, and frameworks.
• Experience in a fast‑paced, agile, multi‑disciplinary environment.
• Strong storytelling skills — able to turn data into insight, and insight into high‑quality decisions.
• A commercial lens: understanding both risk mitigation and growth enablement.

What We Offer
• The opportunity to work across two of South Africa's most exciting fintech brands.
• A collaborative environment that encourages experimentation and growth.
• Professional development opportunities in technical support and FinTech operations.
• Hybrid work model with autonomy and flexibility.
• Competitive compensation and benefits within a purpose-led, growth-focused organisation.