Opportunity at
MoniepointSenior Data Scientist (Credit)
Moniepoint Inc. is a financial platform serving millions of users and businesses across Africa with cross-border tools, payments, banking, credit, and business management services. Operating as…
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About This Role
Moniepoint Inc. is a financial platform serving millions of users and businesses across Africa with cross-border tools, payments, banking, credit, and business management services. Operating as a major merchant acquirer in Nigeria, the organization processes billions in digital transactions annually. The company seeks a Senior Data Scientist (Credit) to spearhead consumer lending strategies at scale. In this position, the professional will shape approaches to customer acquisition, underwriting, and retention by…
Job Description
Moniepoint Inc. is a financial platform serving millions of users and businesses across Africa with cross-border tools, payments, banking, credit, and business management services. Operating as a major merchant acquirer in Nigeria, the organization processes billions in digital transactions annually.
The company seeks a Senior Data Scientist (Credit) to spearhead consumer lending strategies at scale. In this position, the professional will shape approaches to customer acquisition, underwriting, and retention by creating predictive models, running experiments, and delivering strategic insights. Working alongside the Consumer Credit team, the individual will design initial suites of credit risk models, establish pricing and credit limit strategies, and balance machine learning applications with traditional methods.
This role bridges data science, product development, and credit risk management. Ideal candidates thrive in fast-paced environments, possess strong statistical foundations, and can convert intricate data findings into practical business decisions that maintain healthy loan portfolios.
Responsibilities
- Build and implement behavioral, affordability, and credit scoring models for underwriting, collections, and pricing strategies.
- Plan and execute experiments aimed at balancing approval rates, profitability, and loss rates.
- Collaborate with product teams to integrate decision rules directly into real-time operational systems.
- Maintain model compliance, ethical usage standards, and data quality across decision pipelines.
- Guide product squads regarding data-backed decision-making methods and experimentation standards.
- Deliver models designed to improve user retention, churn management, and collections outcomes.
Requirements
- Over 5 years of professional experience in risk analytics, decision science, or data science within the financial services sector.
- Strong working knowledge of consumer lending, regulatory requirements, and credit risk principles.
- Solid proficiency in SQL alongside at least one programming or modelling language such as Python or R.
- Hands-on background utilizing machine learning, A/B testing, churn management, and collections modelling.
- Demonstrated capability to communicate complex data analyses into clear recommendations for business stakeholders.
Qualifications
- Degree or relevant qualifications in a quantitative discipline like Statistics, Mathematics, Engineering, or a related field.
Core Skills
Benefits
- Attractive salary
- Pension
- Health insurance
- Monthly bonuses
- Access to a learning and development focused environment with technical talks and training
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 a full-time opportunity.
What is the remote work policy?
The posting indicates that the role is on-site.
What salary does the position offer?
The exact salary amount is not specified in the job posting.
What does the hiring process involve?
The recruitment process includes a preliminary recruiter phone call, a HackerRank coding exercise, a take-home assignment, a technical interview with a Data Science Team Lead to review the assignment, and a final combined technical and behavioral interview with the hiring manager.
Sample Interview Questions
AI-generated questions tailored to this specific role — a preview of the full practice set.
