Credit Risk Data Science Jobs (NOW HIRING)

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process 100s of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our teams operate in a fast‑paced, high‑impact environment alongside international leaders from companies like Glovo, Bolt, Monzo, Klarna, Checkout.com, and Tide. If you want to build our data science function from the ground up, work with one of Africa’s highest-scaling fintech data sets, and ship products that influence tens of millions of users, this is an exceptional time to join.

We’re looking for a hands‑on Spain‑based Data Science Manager to lead our consumer credit data science efforts in a high‑growth environment. This role is pivotal in building and scaling a team responsible for pricing, credit limit modelling, and production credit model deployment, with direct ownership of decisions that impact millions of customers.

You’ll work closely with our Consumer Credit, Product, and Engineering teams to shape how we assess and price risk, design credit products, and measure outcomes across the credit lifecycle. Sitting at the intersection of data science, credit risk, and product, you’ll build the analytics and modelling foundations that inform underwriting, customer acquisition, retention, and portfolio performance at scale.

• Developing 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

• 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, including +2 years in management
• 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

• The opportunity to drive financial inclusion and shape the future of the African financial ecosystem
• The chance to work on innovative and impactful projects
• A dynamic, diverse, and collaborative environment where every team member’s voice is recognised and valued
• Flexible work arrangements
• Continuous learning and career growth opportunities
• Competitive salary, individual performance bonuses, and firm‑wide performance bonus
• The company covered health insurance plans
• Pension plans

• Introductory call with one of our recruiters
• Initial interview with the Director of Data Science
• Take‑home task (hands‑on coding or marketing modelling case study)
• Business case interview with our Head of Marketing Strategy & Data
• Live technical coding interview with the Director of Data Science
• Culture & values interview (60 minutes) with the Director of Data Science

Moniepoint is an equal‑opportunity employer. We believe diversity makes us stronger and are committed to creating an inclusive environment for all employees and candidates.