Senior Data Scientist (Credit)

About this role

A Senior Data Scientist (Credit) is sought for a remote role to build and deploy credit risk models, optimise pricing and credit limits, and influence underwriting and product decisions for Moniepoint’s consumer lending. The role sits at the intersection of data science, credit risk and product, and involves designing experiments, developing scoring and behavioural models, and embedding decision logic into real-time systems. The position focuses on enabling scalable lending across Nigeria and Africa while ensuring data quality, compliance and ethical use. The candidate will work with the Consumer Credit team to drive risk ranking, pricing and data infrastructure ideas for personalised offers.

What you would do

• Design and run experiments to optimise approval rates, loss rates and profitability
• Develop models to improve collections, churn management and user retention
• Ensure data quality, compliance and ethical use of models across decisioning processes
• Mentor product squads on experimentation and data-driven decision making
• Develop and deploy credit scoring, affordability and behavioural models
• Collaborate with product squads to embed decision logic into real-time systems

What they are asking for

• 5+ years of experience in data science, decision science or risk analytics within financial services
• Experience with A/B testing, machine learning, collections modelling and churn management
• Proficiency in SQL and at least one programming language (Python or R)
• Ability to translate complex analyses into clear business recommendations
• Strong ownership mindset and ability to work in fast-paced, cross-functional teams
• Knowledge of credit risk, consumer lending and regulatory considerations
• Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar)

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