Senior Data Scientist (Credit)

Stack

Responsibilities

• ▹Develop and deploy credit scoring, affordability and behavioural models to support underwriting, pricing and collections.
• ▹Design and run experiments to optimize 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 experimentation and data-driven decision making best practices.
• ▹Provide models to optimize outcomes in collections, churn management and user retention.

Requirements

• ▹Comfortable with statistics; degree or qualification 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.

Soft skills

What we offer

• ▹People-first culture where all opinions carry weight.

About the company

Moniepoint Inc. is Africa's all-in-one financial platform, helping 20 million businesses and individuals access payments, banking, credit and business management tools each month; it is Nigeria's largest merchant acquirer, processing over $250 billion in digital payment transaction value annually.