The genesis of The Concept Group was initially borne from a functional and structural approach, simply delivering better effectiveness through shared services of back office functions for its more market facing organizations. As the organization grew, the Group along with its member subsidiaries have evolved to embody much more. As a tested guiding light, our core values which we passionately uphold give us a sense of purpose and direction not only in our professional but in our private lives also. These values summarized are based on three pillars; (Great) People, (Continuous) Innovation and the (Ideal) Culture.
Role Summary
- We are looking for a senior Credit Modeller & Data Scientist to lead the development, validation, and improvement of credit risk models and data-driven decision systems.
- This role will support smarter underwriting, stronger portfolio monitoring, and better lending decisions through analytics, machine learning, and automation.
Key Responsibilities
- Develop and manage credit scoring models, including application, behavioural, and collections scorecards
- Build PD, LGD, and EAD models in line with IFRS 9 and regulatory standards
- Use machine learning and advanced analytics to improve lending decisions, fraud detection, and portfolio performance
- Monitor, validate, and recalibrate models using standard performance metrics
- Work with data, product, engineering, and credit teams to improve automated decision systems
- Analyze portfolio trends and provide insights for credit policy and risk strategy
- Lead and mentor a team of analysts and data scientists
- Present insights and recommendations to senior management and key stakeholders
Requirements
- Bachelor’s or Master’s degree in a relevant field
- 5–10+ years of experience in credit risk modelling or data science within banking, fintech, or microfinance
- Strong knowledge of statistical modelling, machine learning, and credit risk frameworks
- Proficiency in Python, R, SQL, SAS, or similar tools
- Experience with BI tools and model deployment platforms is an advantage
- This role is for someone who can combine strong technical modelling skills with business thinking and leadership. Please send your applications to:[email protected]
Method of Application
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