高级数据科学家（信用）
Senior Data Scientist (Credit)
我们是谁
Moniepoint Inc. 是非洲的一站式金融平台，每月帮助 2000 万企业和个人使用无缝支付、银行、信贷、跨境和业务管理工具。
作为尼日利亚最大的商户收单机构，我们支持该国大部分的销售点（POS）交易。通过我们的子公司，Moniepoint Inc. 每年处理超过 2500 亿美元的数字支付交易价值。
职位简介：
在 Moniepoint，数据是所有工作的核心。我们是一家以客户为中心的公司，你的工作将使我们的团队能够做出有数据支持的决策，直接影响我们业务的成功。我们正在寻找一位以影响为导向的高级数据科学家，以大规模推动 Moniepoint 的消费贷款决策。你将构建模型、实验和洞察力，塑造我们在尼日利亚和非洲地区获取、评估和留住数百万客户的策略。
这个职位在推动我们的定价、信用额度建模和信用模型部署战略中起着关键作用，随着业务的增长，这提供了前所未有的机会，为数百万人提供服务。你将与我们出色的消费者信贷团队合作，推动我们对风险排名、产品提供和数据基础设施的思考，为客户创造最佳的个性化方案。你将负责构建我们的第一套信用风险模型，并推动一种如何思考机器学习与传统方法的文化——带来新的思路，激发团队和客户的灵感。
处于数据科学、信用风险和产品交叉点，你将把复杂的数据转化为推动增长的可操作决策，同时保持健康的组合表现。
对 Moniepoint 是一个令人难以置信的工作场所感到好奇吗？查看我们关于如何培养创新、团队合作和成长文化的文章。
你将负责
- 开发和部署信用评分、偿债能力和行为模型，以支持承保、定价和催收
- 设计并运行实验，优化批准率、损失率和盈利能力
- 与产品小组合作，将决策逻辑嵌入实时系统
- 确保所有决策流程中的数据质量、合规性和模型的道德使用
- 指导产品小组在实验和数据驱动决策方面的最佳实践
- 提供模型以优化催收、流失管理和用户表现
查看英文原文
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.