Data Scientist (Credit)

Moniepoint Inc.; United States; Remote; USD 130,000 - 190,000; Full time

Benefits offered by this job

Pension

Health insurance

Monthly bonuses

Learning & development

Job summary

Moniepoint Inc. is expanding its Consumer Credit team to build and deploy credit scoring, affordability, and behavioural models that power underwriting, pricing, and collections.

You will design experiments to optimise approval and loss rates, and collaborate with product squads to embed decision logic into live systems. You will apply rigorous data science across credit risk, consumer lending, and regulatory considerations, mentoring teams and translating analyses into actionable business

Qualifications

• Degree or qualification in a quantitative field (Statistics, Mathematics, Engineering or similar).
• 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.

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

SQL

Python

R

Statistics

Machine Learning

A/B Testing

Risk Analytics

Data Modeling

Education

Quantitative degree (Statistics, Mathematics, Engineering)

Tools

Python

R

SQL

Job description

Описание:

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. 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. Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

Задачи:

• 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

• 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

Условия:

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

Equal Opportunity Statement

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