Credit Lead

Unifi Stellenbosch, Western Cape

Full-time Closes 30 Nov 2026 · 31 days left

Stellenbosch, Western Cape Full-time Closes 30 Nov 2026

This job is for a Credit Lead at Unifi, a company offering simple and fast personal loans across Africa. The role involves shaping credit policies to ensure fairness, accessibility, and alignment with local markets. Responsibilities include creating and improving credit policies, analyzing data to simplify credit access, designing experiments to test new approaches, and monitoring portfolio quality. The role also involves balancing risk and profitability, developing pricing strategies, and overseeing policy approvals. Collaboration with cross-functional teams is key to implementing and refining credit policies. Qualifications include 5-8 years of experience in consumer credit risk, a degree in Statistics, Actuarial Science, Mathematics, Economics, Finance, or a related field, and strong skills in advanced SQL and Python. Experience with credit scoring, risk-based pricing, and portfolio analytics is required. The role offers the opportunity to work in a dynamic environment focused on responsible lending and financial inclusion.