Senior Data Scientist (Credit)
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Moniepoint is seeking a Senior Data Scientist (Credit) to build and deploy credit-risk models for consumer lending across Nigeria and Africa. The role covers underwriting, pricing, collections, churn and retention, requiring 5+ years in data science or risk analytics and strong SQL and Python or R skills.
- Build credit scoring, affordability and behavioural models for underwriting, pricing and collections.
- Optimise approval rates, losses, profitability, churn and retention through experiments and models.
- 5+ years in data science, decision science or financial-services risk analytics required.
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Moniepoint is seeking a Senior Data Scientist (Credit) to build and deploy credit-risk models for consumer lending across Nigeria and Africa. The role covers underwriting, pricing, collections, churn and retention, requiring 5+ years in data science or risk analytics and strong SQL and Python or R skills.
- Build credit scoring, affordability and behavioural models for underwriting, pricing and collections.
- Optimise approval rates, losses, profitability, churn and retention through experiments and models.
- 5+ years in data science, decision science or financial-services risk analytics required.
- Work remotely on Moniepoint's consumer-lending decisions across Nigeria and Africa.
- Mentor product squads on experimentation and data-driven decision-making.
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Source salary availableThe source lists Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits. Confirm the final pay, benefits, contract terms and allowances directly with the employer before accepting an offer.
Can you qualify for this role?
- Required5+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in internship, Data Science, Credit Risk AnalyticsThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in NigeriaThe vacancy is associated with this location.
- UnclearComfort with the Other contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Senior Data Scientist (Credit) evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Moniepoint Incorporated and the role in Nigeria.
- Add concrete examples related to internship, Data Science, Credit Risk Analytics, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Senior Data Scientist (Credit) role in internship, Data Science?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Nigeria under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Moniepoint Incorporated before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
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.
You will build the models, experiments, and insights that shape how we acquire, underwrite, and retain millions of customers across Nigeria and Africa.
Sitting at the intersection of data science, credit risk, and product, you’ll translate complex data into actionable decisions that drive growth with healthy portfolio performance.
You’ll be responsible for building our first suite of credit risk models and help drive a culture of how we should think about machine learning vs more traditional methods - bringing fresh thinking to inspire both the team and our customers.
You’ll collaborate with our amazing Consumer Credit team and drive how we think about risk ranking, product offering, and data infrastructure to create the best personalised offers for our customers.
We are seeking a data-driven, impact-oriented Senior Data Scientist to power Moniepoint’s consumer lending decisions at scale.
What You’ll Do
Design and run experiments to optimise approval rates, loss rates, and profitability
Provide models to optimise outcomes in collections, churn management and user retention
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
Develop and deploy credit scoring, affordability, and behavioural models to support underwriting, pricing, and collections
Partner with product squads to embed decision logic into real-time systems
We would love to hear from you if…
Experience with A/B testing, machine learning, collections modelling and churn management.
Proficiency in SQL and at least one modelling/programming language (Python, R).
Ability to translate complex analyses into clear recommendations for business stakeholders.
High ownership mindset and comfort working in fast-paced, cross-functional teams.
You have +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.
You’re comfortable with Statistics - and have a Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar).
What we can offer you
Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits.
Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
How to Apply
Interested and qualified candidates should:
Click here to apply online
What to expect in the hiring process
A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth.
A preliminary phone call with the recruiter.
A behavioural and technical interview with the hiring manager.
A coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms).
A take-home assignment.
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