Fresh Jobs at Weaver Fintech Ltd

Role Overview

• PayJustNow is seeking a highly skilled Senior Credit Risk Analyst to drive the strategic evolution of our credit, fraud, and portfolio risk capability as we scale existing products and expand into new financial services categories.
• While we’re widely recognised for transforming BNPL in South Africa, our ambitions extend into lending, insurance, and broader consumer financial wellness solutions — and robust, data‑driven risk leadership is essential to that mission.
• This is a senior, high‑impact role for someone who thrives in complexity, understands credit deeply, and wants to influence product, commercial, and operational decision‑making at a strategic level.

What You’ll Be Doing

Strategic Risk Leadership

• Lead the design, stress testing, and continuous optimisation of credit strategies across multiple product verticals.
• Own the development and refinement of models, scorecards, and decisioning frameworks.
• Partner closely with Product, Data, Engineering, Growth, and Collections to embed scalable risk controls.

Advanced Analytical Ownership

• Champion the monthly Credit Risk Pack and elevate it into an executive‑ready decision asset.
• Build and maintain deep portfolio insights, including vintages, behavioural trends, loss forecasting, and early‑warning indicators.
• Evaluate and optimise champion‑challenger experiments, balancing growth and risk appetite.

Cross‑Functional Influence

• Translate complex data into stories and strategies that influence leadership, including Exco‑level forums.
• Identify risk‑related opportunities across marketing, pricing, profitability, and operational processes.
• Support regulatory preparedness across the NCA, POPIA, and internal governance frameworks.

Team & Capability Development

• Guide and mentor junior analysts, helping build a strong culture of excellence within the Risk team.
• Contribute to the development of internal risk tooling, automation, and analytical best practice.

What You’ll Bring

• A numerate degree (BSc, BCom, B Bus Sci, B Eng.).
• 5+ years experience in credit risk or data‑driven financial modelling (fintech/credit/lending preferred).
• Advanced experience in SQL, Excel, and BI tools; Python, R, Snowflake, SAS a strong advantage.
• Proven ability to design and optimise credit risk models, strategies, and frameworks.
• Experience in a fast‑paced, agile, multi‑disciplinary environment.
• Strong storytelling skills — able to turn data into insight, and insight into high‑quality decisions.
• A commercial lens: understanding both risk mitigation and growth enablement.

Closing Date 20 March 2026

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Role Overview

• FinChoice and PayJustNow are building scalable, customer-centric financial products at pace. As we grow, our Credit Risk and Fraud platforms are critical to protecting customers and the business while enabling responsible lending at scale.
• We’re looking for a Product Manager to own and drive the roadmap for Credit Risk & Fraud. This role focuses on how we assess creditworthiness, detect and prevent fraud, automate decisioning, and continuously improve model and policy performance — all while balancing risk appetite with customer experience.
• You’ll lead product strategy and delivery across credit decisioning, fraud detection and prevention, identity verification, and risk operations tooling — with a strong bias toward measurable impact: reduced losses, faster decisioning, improved approval rates, and lower fraud rates.
• This role works closely with Engineering, Data Science, Risk, Compliance, Operations, and Commercial teams.

What You’ll Be Responsible For

Product Strategy & Roadmap

• Own the product vision and roadmap for Credit Risk & Fraud at FinChoice.
• Define clear product outcomes aligned to business goals such as portfolio quality, fraud loss reduction, decisioning speed, and regulatory compliance.
• Identify and prioritise opportunities across credit scoring, policy automation, fraud signals, and identity verification.
• Balance tactical risk controls with longer-term platform and model capability investments.

Discovery & Problem Definition

• Build a deep understanding of the credit lifecycle, fraud typologies, and the operational constraints that shape risk decisions.
• Collaborate with Data Science and Risk teams to understand model performance, policy gaps, and emerging fraud patterns.
• Use data and insights to identify root causes of fraud losses, bad debt, manual review bottlenecks, and false positive rates.
• Frame problems clearly and validate solutions before committing to build.

Delivery & Execution

• Lead cross-functional delivery squads from problem definition through to launch and optimisation.
• Produce high-quality product briefs, PRDs, and outcome-focused backlogs.
• Partner closely with Engineering and Data Science to design scalable, secure, and explainable solutions.
• Manage dependencies across internal platforms, data vendors, bureau integrations, and compliance teams.

Stakeholder Collaboration

• Act as the primary product partner for Risk, Fraud, Collections, and Compliance leadership.
• Communicate trade-offs, progress, and impact clearly to senior stakeholders and the Risk Committee where relevant.
• Align multiple teams around shared outcomes in a complex, regulated operating environment.
• Build trust by delivering improvements that materially reduce risk exposure and improve decisioning quality.

Measurement & Continuous Improvement

Define and track success metrics such as:

• Credit loss rate and arrears performance
• Fraud detection rate and false positive rate
• Straight-through processing (STP) and auto-decisioning rates
• Application approval and decline rates by segment
• Manual review volumes and queue throughput
• Time-to-decision and customer drop-off rates
• Use data to evaluate outcomes post-launch and iterate continuously.
• Champion continuous improvement and pragmatic experimentation across risk policies and fraud rules.

First 90 Days — What Success Looks Like

First 30 Days: Understand & Connect

• Build strong relationships with Risk, Fraud, Data Science, Engineering, Compliance, and Operations stakeholders.
• Get hands-on with existing decisioning systems, fraud tooling, and credit policy frameworks.
• Review current model performance, fraud trends, and known gaps in detection or prevention capability.
• Review the current roadmap, in-flight initiatives, and vendor landscape.
• Develop a clear view of key risk metrics and baseline performance.

Days 31–60: Shape & Prioritise

• Clearly articulate the problem space and opportunity areas across credit risk and fraud.
• Validate and refine the roadmap with stakeholders based on impact, risk appetite, and feasibility.
• Define measurable outcomes and success metrics for priority initiatives.
• Identify quick wins — such as rule improvements or signal additions — and longer-term platform opportunities.
• Align delivery teams around a shared plan and priorities.

Days 61–90: Deliver & Lead

• Drive delivery of at least one meaningful risk or fraud improvement into production.
• Demonstrate early impact through data, reduced losses, or improved decisioning performance.
• Establish a strong operating rhythm with Data Science, Engineering, and stakeholders.
• Clearly communicate progress, learnings, and next priorities.
• Be recognised as the go-to product owner for Credit Risk & Fraud.

What We’re Looking For

Experience

• 5+ years’ experience as a Product Manager in complex, data-intensive environments.
• Proven track record owning and delivering outcomes in risk, fraud, or financial services product areas.
• Experience with credit decisioning systems, fraud detection platforms, identity verification tools, or bureau integrations.
• Comfortable working in regulated environments — fintech or consumer lending experience is a strong advantage.
• Familiarity with machine learning model deployment, policy rule engines, or decisioning infrastructure is highly desirable.

Skills & Strengths

• Strong analytical thinker who can turn complex risk data into clear product direction.
• Excellent prioritisation skills with a focus on risk-adjusted business and customer outcomes.
• Data-driven decision-maker who is comfortable with model performance metrics, scorecards, and statistical concepts.
• Confident communicator who can engage technical teams, risk specialists, and senior leaders alike.
• Able to influence without authority and navigate competing priorities across risk appetite, customer experience, and commercial growth.

Mindset

• Risk-aware and customer-conscious — you understand that good risk management enables better customer outcomes.
• Pragmatic and delivery-focused — you know when progress beats perfection.
• Curious about AI, machine learning, and how emerging fraud patterns and data signals can improve detection and decisioning.
• Comfortable operating in fast-moving, evolving environments where the threat landscape changes quickly.

Closing Date 10 April 2026

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Role Overview

• FinChoice is expanding its insurance offering as part of a broader strategy to provide embedded, accessible financial products to our customers. As we scale, our insurance product capability is central to delivering meaningful protection to customers while operating within a complex regulatory and actuarial environment.
• We're looking for a Product Manager to own and drive the roadmap for our insurance products. This role spans credit life, funeral cover, and value-added insurance products — focusing on how insurance is designed, priced, embedded, and delivered across our customer journeys.
• You'll lead product strategy and delivery across policy issuance, underwriting integrations, claims workflows, and customer-facing insurance touchpoints — with a strong bias toward measurable outcomes: improved take-up rates, claims efficiency, regulatory compliance, and customer trust.
• This role works closely with Engineering, Actuarial, Risk, Compliance, Legal, Operations, and Commercial teams.

What you'll be responsible for:

Product strategy & road map

• Own the product vision and roadmap for Insurance products at FinChoice.
• Define clear product outcomes aligned to business goals such as customer protection, revenue contribution, regulatory compliance, and claims experience.
• Identify and prioritise opportunities across policy design, underwriting automation, claims handling, and embedded insurance journeys.
• Balance tactical improvements with longer-term capability investments — including real-time decisioning and product personalisation.

Discovery & Problem Definition:

• Build a deep understanding of customer insurance needs, pain points across the claims journey, and drop-off points in policy onboarding.
• Engage with Actuarial, Compliance, and Risk teams to understand product constraints, regulatory obligations, and pricing frameworks.
• Use data and qualitative insights to identify drivers of low take-up, high lapse rates, and claims friction.
• Frame problems clearly and validate product solutions before committing to build — particularly in highly regulated contexts.

Delivery and Execution:

• Lead cross-functional delivery squads from problem definition through to launch and post-launch optimisation.
• Produce high-quality product briefs, PRDs, and outcome-focused backlogs that reflect actuarial and compliance constraints.
• Partner closely with Engineering to design scalable integrations with insurers, underwriters, and third-party administrators (TPAs).
• Manage dependencies across internal platforms, external partners, and regulatory approvals.

Stakeholder collaboration:

• Act as the primary product partner for Actuarial, Risk, Compliance, Legal, and Commercial stakeholders in the insurance domain.
• Communicate trade-offs, regulatory constraints, and product progress clearly to senior stakeholders.
• Align cross-functional teams around shared insurance product outcomes in a highly regulated operating environment.
• Build trust by delivering improvements that materially improve customer protection and operational efficiency.

Measurement and Continuous Improvement:

• Define and track success metrics including:
• Policy take-up and activation rates
• Claims approval rate and turnaround time
• Lapse and cancellation rates
• Straight-through processing (STP) rate for claims and policy issuance
• Loss ratio and product profitability
• Customer satisfaction across the claims journey
• Use data to evaluate outcomes post-launch and iterate continuously.
• Champion continuous improvement across underwriting automation and digital claims handling.

First 90 days - what success looks like

First 30 days - Understand and connect:

• Build strong relationships with Actuarial, Risk, Compliance, Engineering, and Commercial stakeholders.
• Get hands-on with existing insurance products, policy journeys, claims workflows, and partner integrations.
• Review current roadmap, regulatory obligations, and in-flight initiatives.
• Develop a clear view of key product metrics and baseline performance across the insurance portfolio.

Days 31 - 60: Shape and Prioritise:

• Clearly articulate the problem space — where customers are underserved, where claims friction exists, and where automation can improve throughput.
• Validate and refine the roadmap with actuarial and commercial stakeholders based on impact, feasibility, and compliance requirements.
• Define measurable outcomes and success metrics for priority initiatives.
• Identify quick wins (e.g. claims process improvements) and longer-term capability investments (e.g. real-time underwriting).
• Align delivery teams around a shared plan and priorities.

Days 61 - 90: Deliver & Lead:

• Drive delivery of at least one meaningful improvement — such as a reduction in claims turnaround time or improvement in STP rate — into production.
• Demonstrate early impact through data and customer and operational feedback.
• Establish a strong operating rhythm with Engineering, Actuarial, and Compliance partners.
• Clearly communicate progress, learnings, and next priorities to senior stakeholders.
• Be recognised as the go-to product owner for Insurance at FinChoice.

What we're looking for

Experience:

• 5+ years' experience as a Product Manager in complex, regulated environments.
• Proven track record owning and delivering outcomes in insurance, embedded insurance, or financial services product areas.
• Experience working with insurance systems, policy administration platforms, underwriting engines, or TPA integrations.
• Familiarity with credit life, funeral cover, or short-term insurance products is a strong advantage.
• Comfortable navigating regulatory frameworks such as FSCA, FAIS, or similar financial services regulation (South African experience a plus).

Skills & Strengths:

• Strong problem-solver who can translate actuarial and compliance complexity into clear product direction.
• Excellent prioritisation skills with a focus on business outcomes, customer value, and regulatory adherence.
• Data-driven decision-maker who understands insurance-specific metrics including loss ratios, lapse rates, and STP rates.
• Confident communicator who can engage frontline teams, actuaries, and senior leaders alike.
• Able to influence without authority and navigate competing stakeholder priorities.

Mindset:

• Customer-obsessed, with genuine empathy for customers seeking protection products that are simple, fair, and accessible.
• Pragmatic and delivery-focused — you know when progress beats perfection, and when compliance requires patience.
• Curious about automation, AI, and how technology can meaningfully reduce friction in underwriting and claims.
• Comfortable operating in fast-moving, evolving environments where regulatory requirements shape product decisions.