About this role
<h2><span style="font-family:arial, helvetica, sans-serif;font-size:12.0pt"><strong>Who are we?</strong></span></h2> <p>Sanlam GoTyme is a strategic financial services partnership that brings together Sanlam's trusted expertise in insurance, credit and financial wellness with GoTyme's innovative digital banking capabilities to create a seamless, client-centred financial ecosystem. By integrating banking, credit, rewards, savings and protection solutions into a single experience, we aim to empower South Africans to manage their financial lives more effectively while building long-term financial confidence, loyalty and prosperity. Our purpose is not only to provide financial products, but to create meaningful value through accessible, digitally enabled solutions that support clients at every stage of their financial journey.</p><div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>About the Role</b></H2> </div><div><p> </p> <p><span style="font-family:arial, helvetica, sans-serif">We are looking for an experienced credit risk professional to own our credit origination strategy and decisioning capability. This hands-on role is responsible for the ownership and continuous optimisation of acquisition scorecards, credit decision strategies and credit policy to support profitable portfolio growth within the organisation's risk appetite.</span><br><span style="font-family:arial, helvetica, sans-serif">Working closely with business, analytics, technology and operations teams, the successful candidate will apply data and analytics to improve credit decisions, enhance customer outcomes and drive continuous improvement across the origination process.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Key Responsibilities</b></H2> </div><div><p> </p> <ul> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Own and continuously refine credit origination strategies, acquisition scorecards, decision rules and credit policy.</span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Monitor, validate and optimise acquisition scorecard performance, identifying opportunities to improve portfolio outcomes.</span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Develop, implement and maintain credit decision strategies and policy changes across the origination process.</span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Analyse portfolio performance and customer behaviour to improve approval rates, take-up, portfolio quality and profitability.</span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Review and optimise credit cut-offs, decision rules and risk appetite settings using data-driven insights.</span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Develop and optimise bureau, pre-screening and customer selection strategies.</span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Monitor acquisition performance metrics and translate analytical insights into practical business actions.</span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Work closely with fraud, technology and operational teams to enhance credit controls and acquisition processes.</span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Perform hands-on analytical work using SQL, Python (or SAS) and other analytical tools to support decision-making and continuous improvement. </span></li> <li style="font-family:arial, helvetica, sans-serif"><span style="font-family:arial, helvetica, sans-serif">Design and execute champion-challenger testing to continuously improve acquisition strategies and portfolio performance</span></li> </ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Qualifications and Experience</b></H2> </div><div><p> </p> <ul> <li><span style="font-family:arial, helvetica, sans-serif">Honours degree in Statistics, Mathematics, Data Science, Actuarial Science, Quantitative Risk Management or a related quantitative discipline.</span></li> <li><span style="font-family:arial, helvetica, sans-serif">A Master's degree in a quantitative field will be advantageous.</span></li> <li><span style="font-family:arial, helvetica, sans-serif">A minimum of five years' experience in credit strategy, acquisition strategy, credit policy optimisation and scorecard management or scorecard development</span></li> <li><span style="font-family:arial, helvetica, sans-serif">Strong understanding of the end-to-end credit risk lifecycle and acquisition decisioning.</span></li> <li><span style="font-family:arial, helvetica, sans-serif">Advanced SQL programming skills.</span></li> <li><span style="font-family:arial, helvetica, sans-serif">Python experience is preferred. Candidates with strong SAS experience and the ability to transition to Python are encouraged to apply.</span></li> <li><span style="font-family:arial, helvetica, sans-serif">Strong analytical, statistical modelling and problem-solving capability.</span></li> <li><span style="font-family:arial, helvetica, sans-serif">Experience working with large datasets and translating complex analysis into practical business recommendations.</span></li> <li><span style="font-family:arial, helvetica, sans-serif">Excellent communication and stakeholder management skills, with the ability to influence both technical and non-technical audiences.</span></li> </ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Build a successful career with us</b></H2> </div><div><p> </p> <p>We’re all about building strong, lasting relationships with our employees. We know that you have hopes for your future – your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its business clusters – Sanlam Life and Savings, Sanlam Investment Group, Sanlam Allianz, Santam, as well as MiWay and the Group Office – the group provides many opportunities for growth and development.</p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Turnaround time</b></H2> </div><div><p> </p> <p>The shortlisting process will only start once the application due date has been reached. The time taken to complete this process will depend on how far you progress and the availability of managers. </p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Our commitment to transformation</b></H2> </div><div></div></div></div><p>The Sanlam Group is committed to achieving transformation and embraces diversity. This commitment is what drives us to achieve a diverse, inclusive and equitable workplace as we believe that these are key components to ensuring a thriving and sustainable business in South Africa. The Group's Employment Equity plan and targets will be considered as part of the selection process.</p>