Senior Credit Data Scientist - Lending at Scale

Moniepoint Group; Johannesburg; On-site; ZAR 900,000 - 1,700,000; Full time

Benefits offered by this job

Salary

Pension

Health insurance

Monthly bonuses

Other benefits

Job summary

Moniepoint Group in Johannesburg is seeking a data-driven Senior Data Scientist to power 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.

Qualifications

• Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar).
• 5+ years of experience in data science, decision science, or risk analytics within financial services.
• 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

Data science

SQL

Python

R

A/B testing

Machine learning

Churn management

Statistics

Education

Degree in quantitative field

Tools

SQL-based modelling

Job description

Moniepoint Group in Johannesburg is seeking a data-driven Senior Data Scientist to power 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.