Senior Data Scientist (Credit)

Senior Data Scientist (Credit)

Posted: Oct 30, 2026 Expires: Not specified

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Moniepoint is a financial technology company digitising Africa’s real economy by building a financial ecosystem for businesses, providing them with all the payment, banking, credit and business management tools they need to succeed.

View All Jobs at Moniepoint Inc.

Senior Data Scientist (Credit)

• Job Type Remote
• Qualification BA/BSc/HND
• Experience 5 years
• Location Nigeria
• Job Field Data, Business Analysis and AI

About the Role

• We are seeking a data-driven, impact-oriented Senior Data Scientist to power Moniepoint’s consumer lending decisions at scale.
• You will build the models, experiments, and insights that shape how we acquire, underwrite, and retain millions of customers across Nigeria and Africa.
• This role is pivotal in driving our pricing, credit limit modelling, and credit model deployment strategy in a growing business with unparalleled opportunities to give access to millions of customers.
• You’ll collaborate with our amazing Consumer Credit team and drive how we think about risk ranking, product offering, and data infrastructure to create the best personalised offers for our customers.
• You’ll be responsible for building our first suite of credit risk models and help drive a culture of how we should think about machine learning vs more traditional methods - bringing fresh thinking to inspire both the team and our customers.
• Sitting at the intersection of data science, credit risk, and product, you’ll translate complex data into actionable decisions that drive growth with healthy portfolio performance.

What You’ll Do

• Develop and deploy credit scoring, affordability, and behavioural models to support 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 all decisioning processes

• Mentor product squads on best practices in experimentation and data-driven decision making

• Provide models to optimise outcomes in collections, churn management and user retention

• We would love to hear from you if…

• You’re comfortable with Statistics - and have a Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar).

• You have +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, 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.

• What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.

• Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.

• Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits.

• What to expect in the hiring process

• A preliminary phone call with the recruiter.

• A coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms).

• A take-home assignment.

• A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth.

• A behavioural and technical interview with the hiring manager.

• Check how your CV matches this job