Job Vacancies at Unifi Group

Purpose of the role

• You own the direction, roadmap and delivery of a domain in Unifi. Your job is to make life easy by identifying opportunities and shaping practical solutions that improve client experience and business performance.
• You balance Unifi’s strategic priorities with hands-on problem-solving to deliver meaningful, measurable results that bring Unifi closer to our long term mission. Things move fast at Unifi, you need to be curious, comfortable with uncertainty and adapt quickly.

Responsibilities 

• Own the direction and roadmap for the domain, aligned with Unifi's overall business objectives and growth strategy 
• Prioritise initiatives and make trade-offs based on actual business value, client impact, technical complexity and available capacity to keep the team focused on what matters most
• Partner with country teams to understand their needs and challenges to use the insights to develop simple solutions to support Unifi and our clients 
• Understand client journeys, business processes and systems to identify opportunities to improve client experience and business performance.
• Investigate problems, analyse data and challenge assumptions to identify root causes and shape practical solutions.
• Manage dependencies across teams and systems, balancing domain priorities with  Unifi’s objectives. 
• Work with the business analysts and development teams to design, implement and validate solutions.
• Lead, coach and develop the business analysts while contributing directly to problem-solving and delivery.
• Track product performance and measure whether solutions achieve their intended outcomes.
• Build trust and open communication lines with country teams to create space for people to speak up when something isn’t working.
• Challenge existing processes and identify opportunities to simplify, automate and improve how we work.

Requirements

• 5+ years' experience in product management, business analysis, consulting, technology, operations or a similar role.
• Experience in financial services, lending or African markets is a plus, but not essential.
• Strong data analysis skills, with the ability to spot trends, draw insights and make informed decisions. SQL skills are a big plus.
• A relevant qualification is useful, but strong analytical and problem-solving skills matter more.
• Experience taking products or projects from idea to delivery, with measurable results.
• Strong analytical and business thinking, using data to make decisions and set priorities.
• Experience building product roadmaps and working with software development teams.
• Curious and willing to challenge assumptions, ask questions and get into the detail.
• Comfortable with ambiguity and able to take an unclear problem and work out how to approach it.
• Proactive, hands-on and able to keep moving in a fast-paced environment with competing priorities.
• Able to build relationships, communicate clearly and challenge ideas respectfully.
• Takes ownership, follows through and focuses on practical results.
• Willing to travel across Africa when needed.

Closing Date 12 November 2026

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Why this role matters 

• Every credit decision shapes our clients' experience and Unifi's future. As part of the Data and Credit team, you’ll be responsible for the shaping, development and improvement of credit policy across Unifi. You will use data, deep technical expertise and sound judgement to balance portfolio risk, profitability and sustainable growth.

What you will own 

• Shape our credit policy. Maintain Unifi’s credit policies, ensuring credit rules are clear, consistent and adapted to local market conditions.
• Make credit easier to access. Use data and credit insights to improve credit offerings, simplify client experience and reduce friction. Work with Operations, IT and Data to turn opportunities into practical improvements. 
• Make smarter credit decisions. Analyse and recommend changes to credit limits, scoring cut-offs, pricing, provisioning and credit rules, building strong evidence based cases for approval.
• Test, learn and improve. Design and run controlled credit experiments, measure their impact and use the results to improve credit decisions, client experience and explore new opportunities.
• Balance risk and profitability. Develop risk based pricing strategies and work with Finance and Data Science on credit risk assumptions and model inputs that inform profitability and overall client experience.
• Stay ahead of portfolio risk. Monitor and report back at different levels on credit quality, repayment trends and losses or gains across our markets. Identify emerging risks and opportunities  early and recommend interventions to improve portfolio performance.
• Turn models into decisions. Work closely with teams to translate scoring models and insights into practical credit policies, and to ensure credit rules are implemented and tested correctly.
• Make changes count. Own the credit policy approval process, from building the business case and securing approval to overseeing implementation, monitoring results, reporting back on outcomes and refining what doesn't work.
• Share your expertise. Help teams understand credit decisions, challenge assumptions and build stronger credit thinking across Unifi.

What you will bring

• 5–8+ years of experience in consumer credit risk, with hands-on experience shaping credit policy, pricing, credit limits, provisioning and scorecard cut-offs in unsecured credit.
• A degree in Statistics, Actuarial Science, Mathematics, Economics, Finance or a related quantitative field.
• Advanced SQL/ Python  skills and confidence working directly with large datasets (we use BigQuery) or similar cloud-based platforms.
• Deep understanding of credit scoring, risk-based pricing, portfolio analytics and the relationship between credit risk and profitability.
• Experience designing credit experiments, evaluating model performance and translating analytical findings into policy decisions.
• A strong understanding of credit risk modelling inputs, loss forecasting and IFRS 9 provisioning principles.
• Sound commercial judgement and the ability to challenge assumptions, influence senior stakeholders and make complex credit decisions understandable.
• Willing and able to travel to our teams across Africa at least once a quarter. 

How you show up

• Put the client first. You always keep our client and the opportunity in mind and look for ways to make credit simpler, more fair and accessible, without compromising on responsible lending. 
• See the bigger picture. You balance clients needs, risk, growth and profitability, understanding how today's decisions shape Unifi’s future.
• Back your judgement. You use evidence, challenge assumptions and have the courage to step into the awkward to make difficult recommendations, even when they aren't popular.
• Get close to the problem. You stay curious, dig into the data and understand what's happening in our markets before deciding what needs to change.
• Work without ego. You welcome challenges, share your expertise and work across teams to find the best way forward.
• Raise the bar. You set high standards, test your thinking and keep improving how Unifi makes credit decisions.

Closing Date 30 November 2026