Senior Data Scientist (Credit)

Who we are 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, we power most of the country’s point-of-sale (POS) transactions. Through our subsidiaries, Moniepoint Inc. processes over $250 billion in digital payment transaction value annually.About the role: At Moniepoint, data is at the core of everything we do. We are a customer-centric company, and your work will enable our teams to make informed, data-driven decisions that directly impact the success of our business. 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.Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.What You’ll DoDevelop and deploy credit scoring, affordability, and behavioural models to support underwriting, pricing, and collectionsDesign and run experiments to optimise approval rates, loss rates, and profitabilityPartner with product squads to embed decision logic into real-time systemsEnsure data quality, compliance, and ethical use of models across all decisioning processesMentor product squads on best practices in experimentation and data-driven decision makingProvide models to optimise outcomes in collections, churn management and user retentionWe 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 servicesWorking knowledge of credit risk, consumer lending, and regulatory considerationsProficiency in SQL and at least one modelling/programming language (Python, R)Experience with A/B testing, machine learning, collections modelling and churn managementAbility to translate complex analyses into clear recommendations for business stakeholdersHigh ownership mindset and comfort working in fast-paced, cross-functional teamsWhat we can offer youCulture: 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 benefitsWhat to expect in the hiring processA preliminary phone call with the recruiterA coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms).A take-home assignmentA technical interview with a Lead in our Data Science Team to review your take-home assignment in depthA behavioural and technical interview with the hiring managerMoniepoint 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