Senior Data Scientist (Credit) (Fully Remote)

Moniepoint Inc.; United States; Remote; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health insurance

Monthly bonuses

Pension

Other benefits

Job summary

Moniepoint Inc. is Africa's all-in-one financial platform, helping millions of businesses and individuals access payments, banking, credit, and business tools.

We’re seeking a data-driven professional to build credit scoring, affordability, and behavioural models for underwriting, pricing, and collections. You will design experiments to optimize approval and loss rates, and collaborate with product squads to embed decision logic into real-time systems, while mentoring best practices across

Qualifications

• Experience building credit scoring models for underwriting and pricing.
• Strong background in affordability and behavioural analytics.
• Ability to design experiments to improve approval and loss rates.

Responsibilities

• Develop credit scoring, affordability, and behavioural models for underwriting, pricing, and collections.
• Design and run experiments to optimize approval rates, loss rates, and profitability.
• Partner with product squads to embed decision logic into real-time systems and mentor best practices.

Skills

Credit scoring

Affordability modelling

Behavioural modelling

Experiment design

Real-time decisioning

Job description

• Data is at the core of everything we do; your work will enable teams to make informed, data-driven decisions.
• You'll build the models and experiments that shape how we acquire, underwrite, and retain millions of customers across Africa.
• You'll drive pricing, credit limit modelling, and credit model deployment strategy for consumer lending.

What you'll do:

• Develop credit scoring, affordability, and behavioural models for underwriting, pricing, and collections.
• Design and run experiments to optimize approval rates, loss rates, and profitability.
• Partner with product squads to embed decision logic into real-time systems and mentor best practices.

What we can offer you:

• A culture that puts people first and values every voice, with an emphasis on well-being.
• A learning-focused environment with knowledge sharing, training, and regular internal technical talks.
• Attractive salary, pension, health insurance, monthly bonuses, and other benefits.

Moniepoint Inc. is Africa's all-in-one financial platform, helping 20 million businesses and individuals access payments, banking, credit, and business management tools. As Nigeria's largest merchant acquirer, it processes over $250 billion in annual transaction value, with a culture that prioritizes people and values every voice.