Posted today · be early
Senior Data Scientist (Credit)
Moniepoint
IndiaremotePosted today
Skill Required
Data-ScienceCredit-Risk-ManagementData-ScientistRisk-AnalyticsConsumer-LendingSenior-Credit-Risk-Data-ScientistSenior-Data-Scientist-Credit-Risk-ModelingSenior-Data-ScienceSenior-Machine-Learning-Data-ScientistSenior-Data-Science-SpecialistData ScientistMachine LearningData StructuresStatisticsEngineeringR Programmingsimilar)analyticsbuildingTestNGPythondesignSQLandFulltime
Key highlights
- +5 years of experience in data science, decision science, or risk analytics within financial services required
- Build Moniepoint's first suite of credit risk models from the ground up
- Degree in a quantitative field (Statistics, Mathematics, Engineering or similar) required
- Monthly bonuses included in compensation
- Work at the intersection of data science, credit risk, and product
- Hiring process includes HackerRank coding exercise, take-home assignment, and multiple interviews
Role overview
Moniepoint Inc. is seeking a Senior Data Scientist to power its consumer lending decisions at scale. This role sits at the intersection of data science, credit risk, and product, focusing on pricing, credit limit modelling, and credit model deployment. The successful candidate will build Moniepoint's first suite of credit risk models, design experiments, and translate complex data into actionable decisions that drive growth with healthy portfolio performance.
Responsibilities
- 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
Requirements
- Degree or qualifications in a quantitative field (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, 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
- Attractive salary
- Pension
- Health insurance
- Monthly bonuses
- Other benefits
- Culture that puts people first and prioritises well-being, where all opinions carry weight and all voices are heard
- Learning and development-focused environment with emphasis on knowledge sharing, training, and regular internal technical talks
Additional details
- Moniepoint Inc. is Africa's all-in-one financial platform helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month
- Nigeria's largest merchant acquirer, powering most of the country's POS transactions
- Processes over $250 billion in digital payment transaction value annually through its subsidiaries
- This role is pivotal in driving pricing, credit limit modelling, and credit model deployment strategy
- Collaboration with the Consumer Credit team on risk ranking, product offering, and data infrastructure
- Responsible for building Moniepoint's first suite of credit risk models
- Help drive a culture of how to think about machine learning vs more traditional methods
- Culture highlights: innovation, teamwork, and growth
- Hiring process: Preliminary phone call with the recruiter
- Coding exercise on HackerRank covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms)
- Take-home assignment
- Technical interview with a Lead in the Data Science Team to review take-home assignment in depth
- Behavioural and technical interview with the hiring manager
- Moniepoint is an equal opportunity employer committed to creating an inclusive environment
- Originally posted on Himalayas
