Data Science Manager (Credit)

Moniepoint

Who we are Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely. Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale. We onboard over a million new customers each month, process 100s of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our teams operate in a fast-paced, high-impact environment alongside international leaders from companies like Glovo, Bolt, Monzo, Klarna, Checkout.com, and Tide. If you want to build our data science function from the ground up, work with one of Africa’s highest-scale fintech data sets, and ship products that influence tens of millions of users, this is an exceptional time to join. About the role We’re looking for a hands-on Spain-based Data Science Manager to lead our consumer credit data science efforts in a high-growth environment. This role is pivotal in building and scaling a team responsible for pricing, credit limit modelling, and production credit model deployment, with direct ownership of decisions that impact millions of customers. You’ll work closely with our Consumer Credit, Product, and Engineering teams to shape how we assess and price risk, design credit products, and measure outcomes across the credit lifecycle. Sitting at the intersection of data science, credit risk, and product, you’ll build the analytics and modelling foundations that inform underwriting, customer acquisition, retention, and portfolio performance at scale. Your day-to-day * Developing 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 We would love to hear from you if * You’re comfortable with Statistics - and have a Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar) * You have +5 years of experience in data science, decision science, or risk analytics within financial services, including +2 years in managerment * Working knowledge of credit risk, consumer lending, and regulatory considerations * 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 What Moniepoint Can Offer You  * The opportunity to drive financial inclusion and shape the future of the African financial ecosystem  * The chance to work on innovative and impactful projects * A dynamic, diverse, and collaborative environment where every team member’s voice is recognized and valued  * Flexible work arrangements * Continuous learning and career growth opportunities * Competitive salary, individual performance bonuses, and firmwide performance bonus  * Company covered health insurance plans * Pension plans  What to expect in the hiring process * Introductory call with one of our recruiters * Initial interview with the Director of Data Science * Take-home task (hands-on coding or marketing modelling case study) * Business case interview with our Head of Marketing Strategy & Data * Live technical coding interview with the Director of Data Science * Culture & values interview (60 minutes) with the Director of Data Science Moniepoint is an equal-opportunity employer. We believe diversity makes us stronger and are committed to creating an inclusive environment for all employees and candidates. #LI-Remote

Moniepoint

Who we are Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely. Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale. We onboard over a million new customers each month, process 100s of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our teams operate in a fast-paced, high-impact environment alongside international leaders from companies like Glovo, Bolt, Monzo, Klarna, Checkout.com, and Tide. If you want to build our data science function from the ground up, work with one of Africa’s highest-scale fintech data sets, and ship products that influence tens of millions of users, this is an exceptional time to join. About the role We’re looking for a hands-on Spain-based Data Science Manager to lead our consumer credit data science efforts in a high-growth environment. This role is pivotal in building and scaling a team responsible for pricing, credit limit modelling, and production credit model deployment, with direct ownership of decisions that impact millions of customers. You’ll work closely with our Consumer Credit, Product, and Engineering teams to shape how we assess and price risk, design credit products, and measure outcomes across the credit lifecycle. Sitting at the intersection of data science, credit risk, and product, you’ll build the analytics and modelling foundations that inform underwriting, customer acquisition, retention, and portfolio performance at scale. Your day-to-day * Developing 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 We would love to hear from you if * You’re comfortable with Statistics - and have a Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar) * You have +5 years of experience in data science, decision science, or risk analytics within financial services, including +2 years in managerment * Working knowledge of credit risk, consumer lending, and regulatory considerations * 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 What Moniepoint Can Offer You  * The opportunity to drive financial inclusion and shape the future of the African financial ecosystem  * The chance to work on innovative and impactful projects * A dynamic, diverse, and collaborative environment where every team member’s voice is recognised and valued  * Flexible work arrangements * Continuous learning and career growth opportunities * Competitive salary, individual performance bonuses, and firmwide performance bonus  * The company covered health insurance plans * Pension plans  What to expect in the hiring process * Introductory call with one of our recruiters * Initial interview with the Director of Data Science * Take-home task (hands-on coding or marketing modelling case study) * Business case interview with our Head of Marketing Strategy & Data * Live technical coding interview with the Director of Data Science * Culture & values interview (60 minutes) with the Director of Data Science Moniepoint is an equal-opportunity employer. We believe diversity makes us stronger and are committed to creating an inclusive environment for all employees and candidates.

Moniepoint

Who we are Moniepoint Inc. is Africa’s all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month.  As Nigeria’s largest merchant acquirer, we power most of the country’s point-of-sale (POS) transactions. Through our subsidiaries, Moniepoint Inc. processes over $250 billion in digital payment transaction value annually. About the role:  At Moniepoint, data is at the core of everything we do. We are a customer-centric company, and your work will enable our teams to make informed, data-driven decisions that directly impact the success of our business. We are seeking a data-driven, impact-oriented Senior Data Scientist to power Moniepoint’s 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. 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. 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. 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. Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth. What You’ll Do * 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 We would love to hear from you if… * You’re comfortable with Statistics - and have a Degree or qualifications  in a quantitative field (Statistics, Mathematics, Engineering or similar) * 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 * 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 What we can offer you * 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. * Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits What to expect in the hiring process * A preliminary phone call with the recruiter * A coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms). * A take-home assignment * A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth * A behavioural and technical interview with the hiring manager Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.