Senior Senior Data Scientist (Credit) at Moniepoint Inc

Job Description

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