Senior Data Scientist - Credit Risk & Lending

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

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