Senior Data Scientist - Credit Eligibility

M-Kopa

1d•Remote

About The Position

Join our Credit & Underwriting team as a Senior Data Scientist! We are seeking an individual passionate about building machine learning models and tackling complex data challenges. This is a fully remote data science role within a growing, mission-driven fintech company. You will be responsible for the models that determine loan eligibility and pricing across five African markets. This is a high-impact role within a small team, where your contributions will directly influence lending strategies for millions of customers.

Requirements

Experience building predictive models, particularly credit scoring, risk models, or similar classification/regression problems.
Strong ML background with hands-on experience in model development, validation, deployment, and performance monitoring.
Proficiency in Python, SQL, and relevant ML libraries (scikit-learn, pandas, numpy, etc.) with experience in feature engineering, model selection, and hyperparameter tuning.
Experience translating complex model outputs into actionable business strategies and stakeholder communications.
Ability to work cross-functionally with product, engineering, and commercial teams.
Strong data communication skills — written, oral, and visual.

Nice To Haves

Experience in credit, underwriting, lending analytics, or fintech modelling.

Responsibilities

Build and refine credit scoring and risk modelling solutions to assess customer creditworthiness, default risk, and loan pricing across multiple markets.
Develop and test ML models for loan eligibility and pricing optimisation through A/B testing and statistical analysis.
Continuously improve eligibility criteria by analysing repayment data, engineering new features, and monitoring credit performance for risk shifts and margin impact.
Collaborate cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production.