Data Scientist - Credit Eligibility

📋 Description

• • As a Data Scientist at M-KOPA Holdings Limited, you will own the predictive models that shape loan eligibility and pricing across five African markets, directly influencing lending strategy for millions of underserved customers seeking financial inclusion.
• • Day to day, you will build and refine credit scoring models assessing creditworthiness and default risk, develop and test ML models for loan eligibility and pricing optimization through A/B testing, improve eligibility criteria by analyzing repayment data and engineering new features, and collaborate cross-functionally with engineers, analysts, and commercial teams to deploy models into production.
• • You will join a small, high-performing team within a mission-driven organization recognized by TIME 100 and the Financial Times as a global leader in financial inclusion and sustainable growth, operating across the UK, Europe, and Africa with a commitment to innovation, diversity, and social impact.
• • In this role, you will deepen your expertise in credit risk modeling, gain end-to-end ownership of ML lifecycle processes, strengthen your ability to translate technical insights into business strategy, and contribute to measurable social and environmental outcomes, including expanded financial access and carbon-negative operations.