Job Title: Senior Data Scientist (Credit)
Location: Nigeria (Remote)
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 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.
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
Application Closing Date
Not Specified.
Interested and qualified candidates should:
Click here to apply online