Senior Data Scientist (Credit)
Core
Build credit risk models, experiments, and insights to drive consumer lending decisions, pricing, and underwriting for millions of customers across Nigeria and Africa.
Role type
Senior IC data scientist (credit risk)
Builds
Production credit scoring, affordability, and behavioral models integrated into real-time decisioning systems
Domain
Financial services / Consumer lending / Credit risk
Deliverable
production ML models
Required skills
Statistics, SQL, Python or R, A/B testing, machine learning, collections modelling, churn management, regulatory compliance
Preferred skills
Experience translating complex analyses into business recommendations, high ownership mindset
Responsibilities
Develop and deploy credit scoring and behavioral models; Design and run experiments to optimize approval and loss rates; Partner with product squads to embed decision logic; Ensure data quality and ethical model use; Mentor product squads on experimentation best practices; Provide models for collections and user retention optimization
