---
title: 'Senior Data Scientist (Credit) at Moniepoint'
canonical: 'https://feeny.ai/job/senior-data-scientist-credit-moniepoint-south-africa-5e4jwhm7wyed'
type: 'job'
last_seen: '2026-10-17'
---

# Senior Data Scientist (Credit) at Moniepoint

- **Company:** Moniepoint
- **Location:** South Africa
- **Work type:** remote
- **Posted:** 2026-10-16
- **Last confirmed live:** 2026-10-17
- **Apply:** https://job-boards.eu.greenhouse.io/moniepoint/jobs/5008331101

## Job description

## 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.](https://moniepoint.com/blog)

## 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 prioritise 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.

## About Moniepoint

## Company Overview
- **One-liner**: Moniepoint provides an all-in-one payments, banking, credit, and business management platform for businesses and their customers in emerging markets, primarily Nigeria and Africa.
- **Entity Type**: Private (backed by major global venture capital funds)
- **Headquarters**: London, UK (with offices in Lagos, Nairobi, and the US)
- **Founded**: 2015
- **Founders**: Not publicly listed on the main site; the company is the parent of TeamApt Ltd and Moniepoint MFB

## Core Business
- **Primary industry/industries**: Fintech, Financial Services, Payments, Banking, Credit
- **Target customers**: B2B (primarily Micro, Small, and Medium Enterprises (MSMEs) and their employees and customers), B2C (individuals)
- **Mission or purpose statement**: "Financial happiness for every African, everywhere"

## Products & Services
- **Payments**: Digital payment acceptance infrastructure and distribution networks that democratise payment acceptance, including POS terminals. Moniepoint is Nigeria’s largest offline merchant acquirer, powering most of the country's POS transactions.
- **Credit**: Loans to business owners based on transaction history (not collateral) to help finance inventory and expand businesses.
- **Banking**: Business and personal banking solutions enabling instant transactions, bill payments, and financial management.
- **Business Management**: Operational tools like expense cards, accounting, and book-keeping solutions for businesses.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company)
- **Key Metric**: Total Funding - The company has raised significant capital from top-tier investors. It processes over $17 billion in Total Payment Volume (TPV) monthly and supports over 10 million customers (business and individual accounts) and 4 million active merchants.
- **Notable Investors/Partners**: QED, British International Investment (BII), FMO, LeapFrog Investments, and other leading global venture capital funds.
- **Growth Signals**: Named "Africa's fastest growing financial institution" (2023-2025). Processes $12-17 billion monthly through digital payment channels. Serves 60 million unique cards on its POS terminals each quarter. Has a network of 40,000 field agents.

## Competitive Advantages
- **Integrated "Operating System"**: Moniepoint has built a fully integrated, end-to-end platform tailored specifically to Nigeria’s informal and cash-reliant economy. This is a massive moat.
- **Hybrid Model**: A unique combination of advanced technology, a nationwide agent network (40,000 field agents), and widespread POS terminal deployment that enables financial access even in rural areas.
- **Data-Driven Credit**: Offers loans based on transaction history rather than collateral, unlocking credit for the underserved. Roughly a third of its MSME customers are receiving loans for the first time.
- **Market Dominance**: As Nigeria's largest merchant acquirer, it has a deep, defensible network effect.

## Strategic Focus
- **Deepening Financial Inclusion**: Continuing to expand access to payments, credit, and banking for underbanked populations and MSMEs across Africa.
- **Scaling the Platform**: Growing the number of merchants, agents, and individual customers on its all-in-one platform.
- **Product Expansion**: Adding more business management and operational tools to become the "operating system" for African businesses.

## Why Work Here
- **Culture**: Described as a "dream team" culture with values of **Technical Depth, Empathy, Integrity, Grit, No Ego, and Candour**. The company emphasizes a flat organizational structure where "every voice matters" and "everyone is an extension of our team."
- **Work Model**: Moniepoint Inc. is a fully remote tech company with a diverse workforce worldwide. (Note: Some roles may be location-specific, e.g., Lagos or Nairobi).
- **Perks & Benefits**: Competitive salary, health insurance, pension, paid leave days, mental health & crisis support, team building activities, and "Dope Merch!" The work is described as a "portfolio of projects that matter."
- **Interview Process**: A multi-stage process including a Preliminary Phone Screen, a Technical Assessment/Case Study, a Panel Interview, and an Executive/Final Interview.

## Sources
1. [Moniepoint.com](https://www.moniepoint.com/)
2. [Moniepoint Careers Page](https://job-boards.eu.greenhouse.io/moniepoint)
3. [Moniepoint Culture Page](https://www.moniepoint.com/culture)
4. [LeapFrog Investments - Moniepoint](https://leapfroginvest.com/company/moniepoint/)

## Other roles at Moniepoint

- [Principal Mobile Engineer (POS Terminal)](https://feeny.ai/job/principal-mobile-engineer-pos-terminal-moniepoint-lagos-qkcq1vjwcphh) — Lagos, Nigeria
- [Principal Mobile Engineer (POS Terminal)](https://feeny.ai/job/principal-mobile-engineer-pos-terminal-moniepoint-poland-nggff75gb5a8) — Poland
- [Principal Mobile Engineer (POS Terminal)](https://feeny.ai/job/principal-mobile-engineer-pos-terminal-moniepoint-portugal-9t9wm60c54s0) — Portugal
- [Principal Mobile Engineer (POS Terminal)](https://feeny.ai/job/principal-mobile-engineer-pos-terminal-moniepoint-spain-vmv9z2g56773) — Spain
- [Principal Mobile Engineer (POS Terminal)](https://feeny.ai/job/principal-mobile-engineer-pos-terminal-moniepoint-south-africa-yb7wep2bgnrx) — South Africa
- [Principal Mobile Engineer (POS Terminal)](https://feeny.ai/job/principal-mobile-engineer-pos-terminal-moniepoint-kenya-1m5fhyjemy8k) — Kenya
- [Principal Mobile Engineer (POS Terminal)](https://feeny.ai/job/principal-mobile-engineer-pos-terminal-moniepoint-pakistan-rscjgrhgz7mg) — Pakistan
- [Senior Data Scientist (Credit)](https://feeny.ai/job/senior-data-scientist-credit-moniepoint-poland-c7k3cr3ky3er) — Poland
- [Senior Data Scientist (Credit)](https://feeny.ai/job/senior-data-scientist-credit-moniepoint-london-bhe1pjq3zsp6) — London, United Kingdom
- [Senior Data Scientist (Credit)](https://feeny.ai/job/senior-data-scientist-credit-moniepoint-portugal-8845mkb70mgk) — Portugal