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.

Junior Credit Risk Analyst
PayJustNow is a Weaver Fintech company and South Africa's leading Buy Now, Pay Later platform, part of the same group as FinChoice. We let consumers split purchases into interest-free instalments at checkout across thousands of merchants, while giving retailers a powerful tool to grow sales. We are an innovative, consumer-facing fintech obsessed with customer experience, innovation and building great tech in pursuit of our vision to be our customers' favourite way to pay.
Our team consists of passionate individuals that work in multi-disciplinary teams, where our strength in execution lies in our teamwork. Collectively we have driven significant customer growth and profitability, and we focus on the detail, being hands-on and executing against our plans – a scale-up that thinks and executes like a start-up.
If you're looking for a place where you will positively impact lives, learn more about and contribute to the Fintech industry, and be involved in multiple products, projects and technologies, then look no further than PayJustNow.

Role Overview 
As the Junior Credit Risk Analyst, you will help the business get more value out of every data source it touches. Working closely with senior analysts and the Credit Risk Executive, you will gather, clean and combine data from across the group, the credit bureaux and alternative data sources, and turn it into analysis that informs strategic credit risk decisions. This is a hands-on, learning-rich role for an early-career analyst who is curious about data and wants to see their analysis drive real decisions across underwriting, limits, collections and portfolio monitoring.

More about the role

• Source, extract and prepare data from across the group, credit bureau feeds and alternative data sources, building clean, reliable datasets for analysis
• Help identify and unlock new value from existing and emerging data sources – spotting useful signals, new attributes and data quality issues
• Use SQL/Python  to obtain data from the Data Warehouse and support the maintenance of analytical data assets
• Perform 'what if' and ad-hoc analysis to support credit strategy across acquisition, limits, collections and recoveries
• Support the monitoring of risk-based strategies in acquisition to ensure only customers with the correct risk levels are acquired
• Help review credit limits to ensure the business exposure strategy is met
• Build and maintain reporting and dashboards that track credit quality of business booked and the credit portfolio
• Support the development and back-testing of scorecards and predictive models
• Use a data-oriented approach to work with others in solving business problems around profitability, marketing, risk and operations
• Assist the Credit Risk Executive and senior analysts on key projects, ensuring strong planning and communication throughout

More about you

Experience & Skills

• A minimum of 1–2 years' experience in Credit Risk, data analytics or a related field (recent graduates with strong analytical internships will be considered)
• A numerate degree e.g. BCom, B Bus Sci, B Eng, BSc
• Good computer literacy skills with proficiency in MS Excel
• The ability to creatively solve problems
• The ability to interrogate and interpret numerical and statistical information

Advantages

• SQL & Snowflake
• Exposure to credit bureau and/or alternative data sources
• Python/R or equivalent
• Retail credit or BNPL experience
• Use of Gen AI

Attributes & Behaviours

• Natural curiosity around data and problem solving
• Strong analytical skills and a self-motivated driver of performance
• Proactive and able to identify, highlight, analyse and action based on information available
• Able to work with other areas to ensure analytical outputs can be driven through to execution to create value
• Excellent interpersonal communication (verbal & written), assertiveness and judgment skills
• The ability to simply explain complex solutions
• Strong planning, organising and coordinating skills
• Exceptional attention to detail with a thorough approach to work
• A strong can-do attitude and an energetic positive approach
• A solid work ethic and a passion for digital Financial Services
• Eager to learn, coachable and entrepreneurial by nature

More about us

Reciprocity and trust are the foundation of how we work. We believe that each of us show up every day to do our best work and help one another and our customers. Strong, meaningful relationships underpin our culture and success, and we value authenticity and transparency. We value equity and strive to be fair and balanced. We celebrate our differences and understand how they contribute positively to the team.

• We offer a flexible working arrangement and hybrid working
• We support your professional development through coaching, training and bursaries
• We offer employee wellness and support through our ChoiceCare employee assistance programme
• We love celebrating your milestones with you