Junior Data Scientist at FNB South Africa

Job Description

• This role focuses on analysing actual profitability at product, segment, and customer level to deliver insights that influence strategic decisions, inform pricing negotiations, and portfolio optimisation.
• The analyst will provide clear, data-driven recommendations to improve margins, identify performance drivers, and support business growth.

Profitability Analysis

• Analyse actual profitability at product, customer, segment, and portfolio level.
• Develop and maintain profitability reporting dashboards, highlighting key trends and variances.
• Compare actual results against forecasts, budgets, and historical trends to identify performance drivers.
• Perform variance analysis to pinpoint underperforming products, segments, or channels.

Customer & Segment Insights

• Calculate and monitor customer-level profitability, factoring in revenue, cost-to-serve, and risk.
• Identify high-value and low-value customer segments, providing actionable recommendations for strategic focus.
• Analyse drivers of profitability including pricing, acquisition costs, servicing costs, and retention rates.

Decision Support & Pricing Influence

• Provide profitability insights to support price negotiations with key clients or intermediaries.
• Supply data-driven recommendations to inform product pricing, discount strategies, and margin optimisation.
• Collaborate with the Credit Pricing team to ensure alignment between risk-based pricing models and actual profitability outcomes.

Reporting & Stakeholder Engagement

• Present profitability insights and recommendations to management, sales, and product teams.
• Translate complex data into actionable insights for non-technical stakeholders.

Data Management & Analysis

• Extract, clean, and manipulate large datasets from multiple systems for analysis.
• Build and maintain models to measure profitability under different economic and business scenarios.
• Ensure data integrity and accuracy in all reporting and analysis outputs.

​Continuous Improvement & Special Projects

• Identify opportunities to improve profitability measurement frameworks and methodologies.
• Support strategic initiatives aimed at improving product and customer profitability.
• Participate in ad-hoc projects requiring financial and operational analysis.

Qualification and Experience Required

• Bachelor of Science Degree
• 1-3 years' experience in Data Science

End Date: September 2, 2025