If you are a data scientist who wants your models to do more than generate business metrics, the Senior Data Scientist Credit Eligibility role at M-KOPA Nigeria is one of the most impactful remote data science jobs Nigeria has to offer right now. This is your opportunity to build machine learning systems that directly shape how millions of underserved Africans access credit for the very first time.
About M-KOPA Nigeria
M-KOPA is a fast-growing fintech company offering millions of underbanked customers across Africa access to life-enhancing products and services. Starting out as a pioneer in pay-as-you-go solar energy for off-grid homes, M-KOPA has grown into one of the most advanced connected asset financing platforms in the world. The company has already helped over 7 million customers access more than $2 billion in credit and processes over 1.5 million payments daily. Named by TIME 100 as one of the world’s most influential companies and by the Financial Times as Africa’s fastest-growing company for four consecutive years from 2022 to 2025, M-KOPA is a name that carries real global weight.
About the Role
The Senior Data Scientist Credit Eligibility is a fully remote position open to candidates nationwide. You will own the machine learning models that shape loan eligibility and pricing decisions across five African markets. This is a small, high-performing team with big responsibility, where your work directly influences lending strategy for millions of customers who have historically been excluded from formal financial services.
What You Will Do
In this Senior Data Scientist Credit Eligibility role, you will build and refine credit scoring and risk modelling solutions that assess customer creditworthiness, default risk, and loan pricing across multiple markets. You will develop and test machine learning models for loan eligibility and pricing optimisation through A/B testing and statistical analysis. Continuously improving eligibility criteria by analysing repayment data, engineering new features, and monitoring credit performance for risk shifts and margin impact will be central to your work.
This machine learning jobs Nigeria opportunity also involves cross-functional collaboration with engineers, data scientists, growth managers, and commercial stakeholders across multiple countries, scaling models into production environments that serve real customers every day.
Technical Environment
The technical stack for this data science jobs Nigeria role includes Python, SQL, scikit-learn, pandas, and numpy. Core techniques include predictive modelling, classification and regression, feature engineering, model selection, hyperparameter tuning, and A/B testing. The domain focus is credit scoring, underwriting, loan pricing, and risk analytics.
What M-KOPA Is Looking For
The ideal candidate for this M-KOPA Nigeria jobs opening will have proven experience building predictive models, particularly in credit scoring, risk modelling, or similar classification and regression problems. A strong machine learning background with hands-on experience in model development, validation, deployment, and performance monitoring is essential. Proficiency in Python, SQL, and relevant ML libraries is required, along with the ability to translate complex model outputs into clear, actionable business strategies. Experience in credit, underwriting, lending analytics, or fintech modelling is highly desirable.
Strong data communication skills across written, oral, and visual formats are equally important, as is the ability to work cross-functionally with product, engineering, and commercial teams.
Location and Benefits
This is a fully remote role within the UTC -1 to UTC +3 time zone range. M-KOPA offers professional development programmes, coaching partnerships, family-friendly and flexible working policies, well-being support, and strong career growth opportunities. You will collaborate with diverse teams across the UK, Europe, and Africa.
According to the World Bank, over 350 million adults in Sub-Saharan Africa remain unbanked, making the credit modelling work done at companies like M-KOPA among the most consequential in the continent’s financial future.
How to Apply
Interested and qualified candidates should visit the M-KOPA careers page to apply online.
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