Senior Data Scientist (Credit)
Moniepoint
IndiaremotePosted 1 month ago
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
- Experience level: +5 years in data science, decision science, or risk analytics
- Required: Degree in a quantitative field (Statistics, Mathematics, Engineering or similar)
- Required: Proficiency in SQL and Python or R
- Benefit: Monthly bonuses, pension, and health insurance
- Benefit: Learning and development-focused environment with internal technical talks
Role overview
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. As Nigeria’s largest merchant acquirer, they process over $250 billion in digital payment transaction value annually. Moniepoint is seeking a data-driven, impact-oriented Senior Data Scientist to power consumer lending decisions at scale. Sitting at the intersection of data science, credit risk, and product, the role involves building models, experiments, and insights to shape customer acquisition, underwriting, and retention across Nigeria and Africa, translating 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
- Drive pricing, credit limit modelling, and credit model deployment strategy
- Collaborate with the Consumer Credit team to drive thinking about risk ranking, product offering, and data infrastructure to create personalised offers
- Build the first suite of credit risk models and help drive a culture of how to think about machine learning vs more traditional methods
Requirements
- Comfortable with Statistics
- 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
- Culture: People-first approach prioritizing well-being, where all opinions carry weight and voices are heard
- Learning: Learning and development-focused environment with emphasis on knowledge sharing, training, and regular internal technical talks
- Compensation: Attractive salary, pension, health insurance, monthly bonuses, plus other benefits
Additional details
- Hiring process: A preliminary phone call with the recruiter
- Hiring process: A coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms)
- Hiring process: A take-home assignment
- Hiring process: A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth
- Hiring process: A behavioural and technical interview with the hiring manager
- Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.
- Originally posted on Himalayas