About Weaver Fintech

Weaver Fintech is a Mauritius-headquartered financial services group and one of Africa’s fastest-growing digital lenders. Through FinChoice we provide unsecured personal loans, revolving credit and insurance to close to a million customers, and through PayJustNow we run one of South Africa’s leading buy-now-pay-later networks. Between them the two businesses add well over 100,000 new users every month.

Credit is the engine of that growth. Every loan approved, limit granted and transaction financed rests on how well we read risk — and the Mauritius hub is where a growing share of that analytical work is done for the group.

About the role

We are looking for a Senior Credit Risk Analyst to join our team in Mauritius. You will turn large volumes of customer, transaction and bureau data into decisions that move real numbers: who we lend to, how much, at what price, and when we intervene.

This is a hands-on analytics role with genuine influence. You will own analyses end to end — from writing the SQL to presenting the recommendation — and your work will land directly in credit policy, scorecards, collections strategy and provisioning. It suits someone who enjoys both the detail of the data and the argument about what it means.

What you'll do

Analyse portfolio performance across the credit lifecycle — origination, limit management, arrears, collections and write-off — and explain what is driving the movements.
Build and maintain vintage, roll-rate, flow-rate and cohort analyses, and track leading indicators of credit deterioration before they reach the P&L.
Support the development, calibration and monitoring of application and behavioural scorecards, affordability rules and credit policy cut-offs.
Design and evaluate champion/challenger tests on credit strategies, and quantify the risk-versus-volume trade-off of each proposed change.
Produce and automate credit risk reporting and dashboards for management, risk committees and, where required, regulators and funders.
Contribute to impairment and IFRS 9 provisioning inputs, including PD, LGD and EAD analysis and staging assumptions.
Investigate data quality issues, and work with data engineering to improve the tables and pipelines the risk team depends on.
Partner with Credit, Collections, Product, Finance and Data Science teams across Mauritius and South Africa, and translate technical findings into recommendations non-technical stakeholders can act on.
Mentor junior analysts and help raise the standard of analytical rigour, documentation and peer review in the team.

What you'll bring

Essential

Experience — at least 5 years in credit risk, data analytics or a comparable quantitative role, ideally within consumer lending, banking, fintech or financial services.
Qualification — a completed degree in a numerate discipline such as Statistics, Mathematics, Actuarial Science, Economics, Finance, Data Science, Engineering, Computer Science or similar.
Advanced Excel — you are genuinely advanced: complex formulas, pivot tables, lookups, Power Query, scenario and sensitivity models, and clean, auditable workbooks others can pick up.
SQL — non-negotiable. You can write and optimise complex queries independently — joins, window functions, CTEs, aggregations — against large transactional datasets.
Reporting tools — hands-on experience building and maintaining dashboards in Power BI (or an equivalent such as Tableau or Qlik), including data modelling and DAX or equivalent.
Analytical judgement — the ability to frame a business question, choose the right method, sanity-check your own numbers and say clearly what should happen next.
Communication — you can present findings to credit, finance and executive audiences in plain language, and defend them under challenge.

Advantageous

Python (pandas, scikit-learn) or another programming language such as R or SAS for analysis, modelling and automation.
Experience working in Snowflake, or another cloud data warehouse such as BigQuery, Redshift or Databricks.
Exposure to scorecard development, machine learning models in a credit context, or IFRS 9 impairment modelling.
Familiarity with credit bureau data, open banking or transactional bank-statement data.
Version control (Git), dbt, or experience productionising analytical code.
Knowledge of consumer credit regulation in Mauritius, South Africa or another African market.

Who you are

Technical skill gets you shortlisted; how you work with people gets you the job. Our credit decisions are made together, across functions and across two countries, so we care a great deal about the following:

A genuine team player — you share your work early, welcome review, and are as pleased when a colleague’s analysis wins the argument as when yours does.
Collaborative across disciplines — comfortable working with engineers, collections agents, product managers and finance, and able to meet each of them in their own language.
Curious and sceptical in equal measure — you dig into anomalies rather than explaining them away, and you check the number before you send it.
Ownership-minded — you see an analysis through to the decision it was meant to support, and you follow up on whether it worked.
Comfortable with pace and ambiguity — this is a fast-growing business where priorities shift and clean answers are not always available on day one.
Generous with knowledge — you document what you build and help others get better at it.

What we offer

A senior, high-visibility role in a listed, profitable and fast-growing African fintech, based at the group’s Mauritius hub.
Real ownership of credit outcomes on portfolios serving close to a million customers, with a short line between your analysis and the decision.
Exposure to the full breadth of consumer credit — instalment lending, revolving facilities, BNPL and insurance — across multiple markets.
A modern data stack and the freedom to improve it.
A collaborative, low-ego culture built on transparency and respect, with real investment in learning and progression.
Competitive remuneration and benefits. Support with work authorisation is available for suitably qualified non-resident candidates.

How to apply

Send your CV and a short note on a credit or analytics problem you solved end to end — what the question was, what you did, and what changed as a result — via the Weaver Fintech careers portal (weaverfintech.simplify.hr), quoting “Senior Credit Risk Analyst – Mauritius”.

Shortlisted candidates should expect a technical assessment covering SQL and applied credit analytics.

Senior Credit Risk Analyst

Job Description