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.

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. processes over $250 billion in digital payment transaction value annually. 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. 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.

Develop and deploy credit scoring, affordability, and behavioural models to support underwriting, pricing, and collections 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 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 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 A coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms). A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth

📌 Senior Data Scientist (Credit) (Barcelona)
🏢 Moniepoint Group
📍 Barcelona