Decision Sciencist at JUMO.WORLD

As a Decision Scientist, you will be accountable for providing solutions to business questions using your exceptional statistical modelling skills and ability to transform data into valuable decisioning tools.  You will report to the Decision Science Team Lead.

You will

• Use alternative data to develop various fit-for-purpose predictive models (e.g. repayment behaviour, affordability)
• Execute and maintain existing models and analyse our markets to determine the most effective way to increase financial inclusion whilst minimising our credit risk exposure. 
• Engage with internal and external stakeholders in matters relating to modelling, e.g.:
• Implementation of new models, with special focus on how it translates to business decisions

Model auditing

• Data related issues and their effect on models
• Critically analyse data received from various sources: 
• Perform tests, quality control and due diligence as well as engaging with various teams to present findings and actionable insights. 
• Develop new and improve existing modelling tools 
• Use an agile approach to determine the best use of data to develop predictive models and perform analysis in line with business requirements (e.g. credit scoring; customer acquisition; segmentation; social network analysis; etc.)
• Develop data processes to mine value from a variety of data sources that include high-volume, transactional-level data.
• Provide analytical support to various other business teams
• Perform credit scoring for various business teams
• Collaborate with system developers, data engineers, and data architects where necessary to facilitate data analysis and credit scoring.

You will need

• At least 5 years’ experience in a credit risk modelling role.
• At least 2 years’ experience with Telco (e.g. GSM, IEMI, Wallet, etc.) data, preferably with a focus on the credit life cycle.
• Knowledge of programming tools enabling types of analysis/modelling described below
• A postgraduate degree, Honours, Masters or Phd degree in Mathematics, Statistics or similar. Background in Finance, Economics or similar.
• Proven experience with statistical modeling: supervised learning (e.g. deep learning, decision trees, random forests, SVM, logistic regression, etc.); unsupervised learning (e.g. clustering, PCA, k-means, dimension reduction);
• Programming and Database: computer science fundamentals, scripting language, e.g. Python; Stats languages and/or packages, e.g., R, SAS; relational databases: SQL and NoSQL, Oracle;
• Communication and Visualization: Ability to relay complex concepts; storytelling skills; translate data-driven insights into decisions and actions; Python and R visualization packages; knowledge of other visualisation tools, e.g. Tableau is advantageous.
• Domain knowledge and soft skills: Passionate about the business; curious about data; influence without authority; problem solver; strategic, proactive, creative, innovative and collaborative
• A mixture of multidisciplinary skills ranging from an intersection of computer science, mathematics, statistics, communication and business.
• The ability to work independently.

Bonus if you have

• Experience with Apache Spark
• Experience with cloud environments, like AWS or GCP
• We ask a lot of each other at JUMO, but we give a lot too.

You will love

• Collaborating with smart, engaging people in an inspiring work environment
• Working for impact
• Growing and learning continuously, with loads of encouragement and support
• Boldly taking risks as we navigate new challenges
• Flexible work practices enabling your best delivery
• Being autonomous and empowered to lead
• A stack of leading-edge technologies

Remote First

Our environment is designed to foster innovation and enable collaboration, working from one of our Tech Hubs in South Africa, Kenya or Portugal. We operate a remote first working approach where working remotely is our default way of working. We have co-working spaces available in Cape Town and Nairobi for collaboration and connection and for the use of those who value and want to work out of an office. If you work from Porto we provide access to co-working spaces on a needs basis for collaboration and connection.

Diversity and Inclusion

At JUMO, we believe that diversity strengthens our teams and we strive in our recruitment process to create an environment where people from every background can collaborate and prosper and be themselves.