Senior Credit Data Scientist - Lending & Risk

Moniepoint Inc.; Greater London; Hybrid; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Health insurance

Monthly bonuses

Pension

Job summary

Moniepoint Inc. is seeking a Senior Data Scientist to power consumer lending decisions at scale across Nigeria and Africa. You will build models, experiments, and insights to inform acquisition, underwriting, and retention strategies for millions of customers.

You’ll drive pricing, credit limit modelling, and the deployment strategy, collaborating with the Consumer Credit team to shape risk ranking and personalised offers while ensuring data quality and ethical use across decisioning processes.

Qualifications

• Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar).
• 5+ years of experience in data science, decision science, or risk analytics in 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.

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.

Skills

Statistical thinking

Data storytelling

Cross-functional collaboration

Education

Bachelor’s or higher in Statistics/Math/Engineering or related

Tools

Python

R

SQL

Job description

Moniepoint Inc. is seeking a Senior Data Scientist to power consumer lending decisions at scale across Nigeria and Africa. You will build models, experiments, and insights to inform acquisition, underwriting, and retention strategies for millions of customers.

You’ll drive pricing, credit limit modelling, and the deployment strategy, collaborating with the Consumer Credit team to shape risk ranking and personalised offers while ensuring data quality and ethical use across decisioning processes.