UTC -1 to UTC +3 time zones Remote (Global)

M-KOPA is hiring a Senior Data Scientist - Credit

About the Role

Shape the future of inclusive lending through advanced data science. In this role, you'll design and enhance predictive models that determine credit eligibility and pricing for customers across multiple African countries. Your work will directly influence how fairly and accurately individuals are assessed for loans, supporting broader financial inclusion.

What You’ll Do

  • Develop and refine machine learning models for credit scoring, default prediction, and risk-based pricing using real-world repayment data
  • Run A/B tests and statistical evaluations to optimize loan approval rules and pricing strategies
  • Identify new predictive features, monitor model performance, and adapt to changing risk patterns across markets
  • Work closely with engineering, product, and business teams to implement models at scale and ensure alignment with commercial goals

What We’re Looking For

  • Proven experience in building classification or regression models, especially in credit risk, underwriting, or lending analytics
  • Strong technical skills in Python, SQL, and core ML libraries such as scikit-learn, pandas, and numpy
  • Experience with full-cycle model development—from ideation and feature engineering to deployment and monitoring
  • Ability to communicate complex analytical results clearly to non-technical audiences
  • Track record of collaborating across technical and business functions to deliver impactful solutions

Preferred Background

  • Direct experience in fintech, credit modeling, or underwriting analytics

Environment & Support

This is a fully remote position open to candidates within UTC -1 to UTC +3 time zones. You’ll collaborate with teams across the UK, Europe, and Africa in a flexible, inclusive, and mission-driven environment. The organization emphasizes analytical rigor, employee well-being, professional growth, and meaningful social impact. Family-friendly policies and adaptable work arrangements support long-term success.

All qualified applicants are welcome, particularly women, minorities, and individuals with disabilities. The company upholds strong ethical employment standards—prohibiting forced or child labor, ensuring voluntary engagement, and complying with local labor laws. No fees or payments are ever required during hiring.

Required Skills
PythonSQLscikit-learnpandasnumpyPredictive modellingClassification/regressionFeature engineeringModel selectionHyperparameter tuningML librariesRisk modelingCredit scoringStakeholder communicationCross-functional collaboration PythonSQLscikit-learnpandasnumpyPredictive modellingClassification/regressionFeature engineeringModel selectionHyperparameter tuningML librariesRisk modelingCredit scoringStakeholder communicationCross-functional collaboration
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About company
M-KOPA
Creates financial inclusion for the traditionally excluded through a fair, flexible, customer-centric financing model. A technology company that has served over 5 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa.
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Posted a month ago