Opportunity at
MoniepointSenior Data Scientist (Credit)
Moniepoint Inc. is a financial platform in Africa that serves 20 million businesses and individuals with payments, banking, credit, cross-border services, and management tools, and operates…
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About This Role
Moniepoint Inc. is a financial platform in Africa that serves 20 million businesses and individuals with payments, banking, credit, cross-border services, and management tools, and operates as Nigeria's largest merchant acquirer. The organization is hiring a Senior Data Scientist to lead consumer lending decisions on a large scale. In this role, the professional will shape customer acquisition, underwriting, and retention across Nigeria and Africa by building models, experiments, and insights.…
Job Description
Moniepoint Inc. is a financial platform in Africa that serves 20 million businesses and individuals with payments, banking, credit, cross-border services, and management tools, and operates as Nigeria's largest merchant acquirer. The organization is hiring a Senior Data Scientist to lead consumer lending decisions on a large scale. In this role, the professional will shape customer acquisition, underwriting, and retention across Nigeria and Africa by building models, experiments, and insights. Working closely with the Consumer Credit team, the individual will create initial credit risk models, evaluate machine learning versus traditional methods, and direct pricing, credit limit modeling, and deployment strategies. The position involves sitting at the intersection of data science, credit risk, and product to convert complex data into business growth while maintaining portfolio performance.
Responsibilities
- Develop and deploy credit scoring, affordability, and behavioral models to support underwriting, pricing, and collections
- Design and execute experiments to optimize approval rates, loss rates, and profitability
- Collaborate with product squads to integrate decision logic into real-time systems
- Maintain data quality, regulatory compliance, and ethical model usage across decision processes
- Mentor product squads on experimentation practices and data-driven decision making
- Provide models that optimize results in collections, churn management, and user retention
Requirements
- Over 5 years of professional experience in data science, risk analytics, or decision science within financial services
- Practical knowledge of consumer lending, credit risk, and regulatory considerations
- Proficiency in SQL and at least one programming or modeling language such as Python or R
- Experience handling A/B testing, machine learning, collections modeling, and churn management
- Ability to turn complex analyses into clear recommendations for business stakeholders
- High ownership mindset and ability to work in fast-paced, cross-functional teams
Qualifications
- Degree or qualifications in a quantitative field such as Statistics, Mathematics, Engineering, or a similar discipline
Core Skills
Benefits
- Attractive salary
- Pension
- Health insurance
- Monthly bonuses
- Other benefits
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the employment type for this role?
The position is full-time.
What is the location or remote policy for this position?
The posting does not specify the location or remote policy, though the role is listed as on-site.
What compensation and benefits are offered?
The role includes an attractive salary, pension, health insurance, monthly bonuses, and other benefits, though exact figures are not stated.
What does the hiring process involve?
The recruitment process consists of a preliminary phone call with a recruiter, a HackerRank coding exercise, a take-home assignment, a technical interview with a Data Science Team Lead, and a final behavioral and technical interview with the hiring manager.
Sample Interview Questions
AI-generated questions tailored to this specific role — a preview of the full practice set.
