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Full-time
Senior Data Scientist – Credit Modeling Job at M-KOPA
M-KOPA
Job Description
We are looking for a Senior Data Scientist with strong modeling experience to help drive M-KOPA’s mission of building transformative lifetime financial partnerships with our customers.
”This role offers the opportunity to directly impact millions of customers’ access to credit by building sophisticated credit scoring models and underwriting frameworks. You will be a member of a small team with the big responsibility of continuously improving M-KOPA’s loan offers and eligibility criteria through advanced predictive modeling in order to drive growth while managing credit losses and margins. You’ll work cross-functionally with engineers, data scientists, other analysts, growth managers, and commercial stakeholders across multiple countries.”
About Us
We’re building the future of financial inclusion, and data-driven decision making is at the heart of our mission. Our team combines analytical rigor with deep market understanding to develop loan eligibility and pricing for customers who have traditionally been excluded from formal financial services.
We foster a low-ego environment where diversity, innovation, and collaboration drive both commercial growth and social impact. You’ll be empowered to make data-driven decisions and clear cases for prioritization of solutions in a domain that you have a high degree of ownership over.
You’ll be joining a team that’s rapidly expanding our credit and underwriting capabilities. We are looking for someone who loves building predictive models, analyzing complex data, and solving challenging, ambiguous data problems — if that sounds like you, you might be a fit!
Duties, Roles and Responsibilities
In this role, you would be responsible for:
- Building and refining credit scoring models to assess customer creditworthiness and default risk
- Analyzing M-KOPA’s repayments data and other data sources to continuously improve our loan eligibility criteria while managing credit risk
- Developing machine learning models for loan eligibility decisions and pricing optimization
- Refining loan pricing based on credit analysis, predictive modeling, and customer behavior
- Testing new types of loans to understand customer demand and credit performance through A/B testing and statistical analysis
- Monitoring credit performance to detect risk shifts and quantify margin impact using advanced analytics
- Testing the predictiveness of new data sets and feature engineering for enhanced model performance
- Using Python, SQL, and other tools for data analysis and model development
- Collaborating with data scientists to implement and scale machine learning models in production
- This role can be remote or hybrid, but candidates must be located within our time zones (UTC -1 to UTC+3) to ensure effective collaboration with teams across our multiple locations.
Qualifications, Education and Competencies
See all details of the qualifications, competencies and education for this role under the "How to Apply" section below.
If you are ready to make a difference and drive financial excellence in a dynamic and innovative environment, we want to hear from you!
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