Senior Data Scientist - Credit

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We're looking for a Senior Data Scientist who loves building predictive models and solving ambiguous data problems. You'll own the models that shape loan eligibility and pricing across 5 African markets. This is a small team with big responsibility, where your work directly shapes lending strategy for millions of customers.

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The Impact

Your models will directly shape how millions of underserved customers access credit for the first time. We've already helped over 7 million customers access over $2 billion in credit - and we process over 1.5 million payments daily. It's your chance to be part of something that's literally transforming lives across an entire continent 🌍

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The Opportunity

- 🎯 Mission-driven data science: Build credit scoring and pricing models that expand financial access for customers traditionally excluded from formal lending

- 🏆 Global recognition: Join a company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for 4 consecutive years (2022–2025)

- 🚀 Scale challenges: Work with rich repayment datasets across 5 African markets, developing ML models that balance growth with credit risk at scale

- 🌱 Environmental impact: We're carbon-negative, having displaced over 2.1 million tonnes of emissions

What You'll Do

At M-KOPA, you'll build and refine the predictive models that power our lending strategy. You'll sit within a small, high-performing team with end-to-end ownership of credit scoring, loan eligibility, and pricing optimisation — working cross-functionally with engineers, analy...