Senior Data Scientist (Credit)

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 we can offer you

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

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.

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process hundreds of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our India team is a core part of this scale, with ~100 teammates based across Bengaluru, Mumbai, Pune, Chennai, Hyderabad, and Gurgaon. You’ll work in a fast-paced, high-impact environment alongside experienced operators from companies such as Gojek, Tide, Amazon, Walmart, Paytm, BharatPe, Zeta, Delivery Hero, Grab, and Groupon. If you want to build at scale, work with one of Africa’s highest-volume fintech data sets, and ship products that materially impact tens of millions of users, this is an exceptional time to join.