Senior Data Scientist (Credit)

Moniepoint Inc.; Portugal; Remote; EUR 90,000 - 120,000; Full time

Benefits offered by this job

Culture of care

Learning & development

Health insurance

Monthly bonuses

Pension plan

Job summary

Moniepoint Inc. is seeking a Senior Data Scientist (Credit) to power consumer lending decisions at scale across Nigeria and Africa.

You will build the credit scoring, affordability, and behavioural models that underpin underwriting, pricing, and collections, while shaping risk strategies and model deployment across real-time systems. You will collaborate with the Consumer Credit team, run experiments to optimise approval and loss rates, ensure data quality and ethical use, and mentor squads on

Qualifications

• Degree in Statistics, Mathematics, Engineering or similar.
• 5+ years of experience in data science, decision science, or risk analytics in financial services.
• Proficiency in SQL and at least one modelling language (Python, R).
• Experience with A/B testing, machine learning, collections modelling, and churn management.
• Ability to translate analyses into clear business recommendations.
• Comfort working in fast-paced, cross-functional teams.

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 decisioning processes.
• Mentor product squads on experimentation and data-driven decision-making.
• Provide models to optimise outcomes in collections and user retention.

Skills

SQL

Python

R

A/B testing

Machine learning

Credit risk

Churn management

Collections modelling

Data analysis

Education

Degree in Statistics/Mathematics/Engineering or similar

Job description

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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.

• 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 have 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.