Senior Data Scientist: Credit Risk & Underwriting

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

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