Senior Data Scientist – Credit Modeling
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Job Description
Senior Data Scientist focused on credit risk analysis and predictive modeling at M-KOPA. Building models to improve credit access for customers in Africa.
Responsibilities:
- Building and refining credit scoring models to assess customer creditworthiness and default risk
- Analyzing M-KOPA’s repayments data and other data sources to continuously improve our loan eligibility criteria while managing credit risk
- Developing machine learning models for loan eligibility decisions and pricing optimization
- Refining loan pricing based on credit analysis, predictive modeling, and customer behavior
- Testing new types of loans to understand customer demand and credit performance through A/B testing and statistical analysis
- Monitoring credit performance to detect risk shifts and quantify margin impact using advanced analytics
- Testing the predictiveness of new data sets and feature engineering for enhanced model performance
- Using Python, SQL, and other tools for data analysis and model development
- Collaborating with data scientists to implement and scale machine learning models in production
Requirements:
- Several years of experience building predictive models, particularly credit scoring, risk models, or similar classification/regression problems
- Strong machine learning background with experience in model development, validation, and deployment
- Advanced statistical modeling and quantitative analysis skills, including experience with model evaluation metrics and performance monitoring
- Proficiency in Python, SQL, and relevant ML libraries (scikit-learn, pandas, numpy, etc.)
- Experience with feature engineering, model selection, and hyperparameter tuning
- Experience translating complex model outputs into actionable business strategies and stakeholder communications
- Ability to work cross-functionally with product, engineering, and commercial teams
- Strong data communication skills — written, oral, and visual
- Strong interpersonal and collaboration skills
- (Highly desirable) Experience in credit, underwriting, lending analytics, or fintech modeling
Benefits:
- Family-friendly policies
- Professional development opportunities
- Flexible working hours
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