Job Overview
Location
London
Job Type
Full-time
Category
Data Science
Date Posted
March 28, 2026
Full Job Description
📋 Description
- • As a Senior Data Scientist at M-KOPA Holdings Limited, you will own the predictive models that determine loan eligibility and pricing across five African markets, directly shaping financial inclusion for millions of underserved customers who are accessing credit for the first time.
- • Your work will drive measurable impact by expanding access to formal lending, supporting income generation, and advancing environmental sustainability through carbon-negative operations, all while contributing to a mission recognized by TIME 100 and the Financial Times as a global leader in inclusive finance.
- • Day to day, you will build and refine credit scoring models that assess customer creditworthiness, default risk, and optimal loan pricing using Python, SQL, scikit-learn, pandas, and numpy.
- • You will develop and test machine learning models for loan eligibility and pricing optimization through rigorous A/B testing, statistical analysis, and continuous monitoring of repayment data across diverse markets.
- • You will engineer new features from rich repayment datasets, monitor model performance for risk shifts, and translate complex analytical outputs into actionable business strategies for commercial and product stakeholders.
- • You will collaborate cross-functionally with engineers, data scientists, growth managers, and commercial teams across the UK, Europe, and Africa to deploy models into production and scale impact.
- • You will operate in a low-ego, high-ownership environment where innovation, analytical rigour, and market understanding are valued equally, empowering you to prioritize solutions that balance growth with responsible risk management.
- • You will contribute to a team that has already served over 7 million customers, processed over $2 billion in credit, and avoided 2.1 million tonnes of CO₂ emissions, gaining deep expertise in fintech, credit risk, and inclusive financial systems.
- • You will grow your expertise in credit scoring, underwriting analytics, and model deployment while advancing your career in a purpose-driven organization committed to financial inclusion for women, youth, and low-income communities across Africa.
🎯 Requirements
- • Proven experience building predictive models, particularly in credit scoring, risk modeling, or similar classification/regression problems with real-world impact.
- • Strong proficiency in Python, SQL, and core ML libraries including scikit-learn, pandas, and numpy, with hands-on experience in feature engineering, model selection, hyperparameter tuning, and deployment.
- • Demonstrated ability to translate complex model outputs into clear, actionable business strategies and effectively communicate insights to technical and non-technical stakeholders.
🏖️ Benefits
- • Fully remote role with flexibility to work across UTC-1 to UTC+3 time zones, enabling collaboration with diverse teams across the UK, Europe, and Africa.
- • Access to professional development programmes, coaching partnerships, and on-the-job training to support continuous learning and career growth.
- • Family-friendly policies, flexible working arrangements, and well-being support designed to empower individuals throughout their personal and professional journeys.
Skills & Technologies
About M-KOPA Holdings Limited
M-KOPA Holdings Limited provides asset-financing and digital financial services across Africa, enabling underbanked customers to acquire smartphones, solar home systems, and productive-use assets through flexible pay-as-you-go installments. The company combines IoT-enabled hardware, mobile payments, and proprietary credit algorithms to offer affordable, unsecured loans while building credit histories for millions. Founded in 2011 and headquartered in Nairobi, Kenya, M-KOPA operates in Kenya, Uganda, Nigeria, Ghana, and South Africa, serving over 3 million customers and disbursing more than $1 billion in cumulative credit.
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