Senior Data Scientist – Credit
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Job Description
Senior Data Scientist building credit-risk models, lending decisions, and personalised offers. Moniepoint operates an African payments, banking, credit, and business-management platform.
Responsibilities:
- Develop and deploy credit scoring, affordability, and behavioural models for underwriting, pricing, and collections
- Design and run experiments to optimise approval rates, loss rates, and profitability
- Partner with product squads to embed decision logic into real-time systems
- Ensure data quality, compliance, and ethical use of models across decisioning processes
- Mentor product squads on experimentation and data-driven decision-making best practices
- Provide models to optimise collections, churn management, and user retention
- Build credit risk models and shape pricing, credit limit modelling, and credit model deployment strategy
- Translate complex data into actionable decisions supporting growth and healthy portfolio performance
Requirements:
- Degree or qualifications in a quantitative field such as Statistics, Mathematics, Engineering, or similar
- 5+ years of experience in data science, decision science, or risk analytics within financial services
- Working knowledge of credit risk, consumer lending, and regulatory considerations
- Proficiency in SQL and at least one modelling/programming language: Python or R
- Experience with A/B testing, machine learning, collections modelling, and churn management
- Ability to translate complex analyses into clear recommendations for business stakeholders
- High ownership mindset and comfort working in fast-paced, cross-functional teams
Benefits:
- Pension
- Health insurance
- Monthly bonuses
- Learning and development-focused environment
- Knowledge sharing, training, and regular internal technical talks
- Culture prioritising employee well-being, valuing all opinions, and supporting an inclusive workplace
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