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# Data Scientist (Credit)

- **Company:** Moniepoint Inc
- **Location:** Madrid, Spain (Remote available)
- **Contract:** Permanent contract
- **Skills:** A/B Testing, Data Infrastructure, Python (Programming Language), Machine Learning, SQL Databases, Real Time Systems, Data Analytics
- **Published:** September 24, 2026
- **Apply:** https://www.adzuna.es/contact-us.html

## About the Role

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

## Description

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


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