Senior Data Scientist - Credit Risk & Lending

Moniepoint; España; On-site; PHP 5,643,000 - 9,404,000; Full time

Benefits offered by this job

Culture: People-centric environment

Learning and development focus

Competitive compensation + benefits

Job summary

Moniepoint is seeking a Senior Data Scientist to power consumer lending decisions at scale. You will build the first suite of credit risk models and shape pricing, credit limit strategies, and model deployment across Nigeria and Africa.

You will translate complex data into actionable insights, collaborate with the Consumer Credit team, and drive improvements in underwriting, retention, and portfolio performance.

Qualifications

• Degree in a quantitative field (Statistics, Mathematics, Engineering or equivalent).
• 5+ years in data science, decision science, or risk analytics within financial services or a similar field.
• Strong knowledge of credit risk, consumer lending, and regulatory considerations.

Responsibilities

• Develop and deploy credit scoring, affordability, and behavioural models for 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 decisioning processes.
• Mentor product squads on experimentation best practices and data-driven decisions.
• Provide models to optimise outcomes in collections, churn management and user retention.

Skills

SQL

Python/R

A/B testing

ML/Risk analytics

Communication

Education

Quantitative degree

Job description

Moniepoint is seeking a Senior Data Scientist to power consumer lending decisions at scale. You will build the first suite of credit risk models and shape pricing, credit limit strategies, and model deployment across Nigeria and Africa.

You will translate complex data into actionable insights, collaborate with the Consumer Credit team, and drive improvements in underwriting, retention, and portfolio performance.