Data Lead (Finance, Credit & Risk)

South Africa (Remote)

Please note that as this is a remote based position, we are open to applications from candidates based throughout the UK and EMEA region. There are multiple analyst positions available within Yoco, we are open to candidates across all seniority levels and analytics specialisations.
Yoco is a FinTech company. We focus on building tools and services to help small and micro businesses get paid, run better, and grow. We believe in unlocking entrepreneurial potential anywhere, empowering people to thrive and driving our economy forward.
Yoco was founded in 2013. Today we are a company of over 150 people all driven by a common goal: keeping the needs of our customers at heart. Our vision is Open Commerce and we want to do this to enable people to thrive.
This role brings together the data responsibilities (Analytics, Insights & Data Science) for the three tightly coupled domains of Finance, Credit and Risk.

Operating in the Financial Service space, Yoco supports the movement of money between buyers and sellers at the point of exchange. The analysis and monitoring of transactions and the flow of funds in and out of the Yoco platform is essential, along with understanding the movement of money within the platform itself.


Yoco Capital is a credit product for small businesses to access funds when they need them. Customers received updated, qualified, Capital offers daily and are able to access their funds the following day - all enabled by the Yoco app. In order to provide a seamless and responsible experience for customers, it's essential that Yoco effectively manages credit risk.


Yoco has built tools for the mitigation of payments risk, ensuring that bona fide payments are processed with maximum speed, whilst fraudulent payments are detected in real-time. Ensuring that this system remains cutting-edge, and up to speed with the growth of the business is critical and requires a blend of Engineering & Data skills.

Key Responsibilities:
This role is responsible for all Data leadership across the portfolios of Credit, Finance and Risk. This role requires a combination of strong technical and leadership capabilities, along with the ability to build a strong team. Key responsibilities per domain include:
Credit analytics
  • Building models to quantify credit default risk for the Yoco Capital portfolio of products
  • Partnering with Product squads to implement data driven recommendations to manage credit risk
  • Partnering with Finance to calibrate bad debt forecasting and management
  • Growing and managing the credit analytics team
Financial & transactional analytics
  • Structuring source data to formalise reporting for payments cashflow
  • Mastering transaction analytics to derive value from transactions data across the business
  • Developing insights for financial reporting
  • Growing and managing the financial analytics team
Risk analytics
  • Structuring source data systems for accurate fraud reporting
  • Developing predictive modelling for fraudulent transactions
  • Partnering with Engineering to implement real-time risk-mitigation models
  • Growing and managing the risk analytics team
Key requirements to perform responsibilities:
  • An experienced Lead Analyst or Lead Data Scientist (or Head of Data), a specialisation in Finance & Credit is preferred
  • Experience in working in either a growth-focused or technology organisation, ideally working together and collaborating with the operations team, data team, and engineering team, as well as other business stakeholders
  • Comfortable with a variety of Data Analytics tools and platforms from cloud platform databases (Redshift, Snowflake, BigQuery) with SQL, Python, and front-end tools e.g. Tableau, Power BI, Looker
  • A track record of delivering results from analysis, creating business relevant insights rather than simply completing analysis for its own sake
General Experience:
  • 10+ years experience in a technical data role
  • 5+ years experience leading a data team
  • Strong SQL experience
  • Experience with credit modelling, including developing scorecards, default and bad debt forecasting and customer lifetime value prediction
  • Strong communication and team building skills
Bonus points/nice to have:
  • Experience with Looker
  • Experience with risk modelling
  • Experience in banking
  • Experience with Salesforce CRM
The Yoco formula is a validated approach to work and a set of behaviours that create maximum value for our customers and help us grow.
Core Values - Our way of working to create value & grow
  • Stay Connected
  • Make Space to Explore
  • Keep it Simple
  • Master your Craft 


Leadership Principles - How we show up, engage & treat each other
  • Get to know each other personally
  • Say what you think and challenge me directly
  • Be courageous and focus forward
  • Don’t let ego get in the way 
To support this, we have built a role-based organisation where every individual is given the space to focus and develop their innate strengths. Everyone at Yoco has the opportunity to lead a project and become a specialist, enabling flexibility, collaboration and accountability at all levels. You will be working with a diverse, motivated and skilled team who will continuously stretch you as an individual. To learn more about our culture, go to our #YocoLife page or subscribe to our Exposure Gallery
Join us on a meaningful journey at Yoco, and help enable our merchants to thrive through Open Commerce!
Please note…
Yoco encourages applicants from diverse backgrounds to apply. Open positions at Yoco are competitive and we often receive high volumes of applicants. If you have not received further updates on your application after three weeks, you’re welcome to request feedback.
Yoco Card Machines and Online Payments

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