Senior Data Scientist (Credit)

Moniepoint Inc.; Portugal; On-site; EUR 60,000 - 90,000; Full time

Benefits offered by this job

Salário atrativo

Pensão

Seguro de saúde

Bônus mensais

Outros benefícios

Job summary

A Moniepoint Inc. está buscando um Senior Data Scientist (Credit) para liderar o desenvolvimento de modelos de crédito, avaliação de risco e estratégias de pricing.

O papel envolve trabalhar com squads de produto, dados e operações para impactar decisões de concessão, limites e retenção em África e Nigeria, com foco em escala e ética de modelos. Você trabalhará com SQL, Python ou R, conduzirá experimentos A/B e mentoria de equipes, em um ambiente de rápido crescimento e alta orientação a

Qualifications

• Formação quantitativa (Statistics, Mathematics, Engineering) com +5 anos de experiência em data science, decision science ou risco em serviços financeiros.
• Conhecimento sólido em crédito, consumo e regulação.
• Proficiência em SQL e em Python ou R.
• Experiência com testes A/B e experimentação de modelos.

Responsibilities

• Desenvolver e implantar modelos de scoring de crédito, avaliação de risco e comportamento.
• Projetar e conduzir experimentos para otimizar aprovações, perdas e rentabilidade.
• Colaborar com squads de produto para incorporar lógica de decisão em sistemas em tempo real.
• Orientar equipes sobre melhores práticas de experimentação e decisão baseada em dados.

Skills

SQL

Python

R

A/B testing

ML

Education

Degree in Statistics/Mathematics/Engineering

Job description

Senior Data Scientist (Credit)

Empresa : Moniepoint Inc. Tipo de Emprego : Periodo Integral Portugal

Descrição do Emprego - 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.

What You’ll Do

• 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

We 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 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

What we can offer you

• Culture: We put our people first and prioritise 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 benefits

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

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Sobre a empresa

Moniepoint Inc.

Moniepoint provides an all-in-one payments, banking and operations platform for businesses and their customers.