M-KOPA Holdings Limited logo

Senior Data Scientist - Credit Eligibility

Job Overview

Location

Nairobi

Job Type

Full-time

Category

Data Science

Date Posted

April 24, 2026

Full Job Description

đź“‹ Description

  • • Senior Data Scientist role focused on building machine learning models for credit eligibility and pricing across five African markets, directly shaping lending strategy for millions of underserved customers.
  • • Day-to-day responsibilities include building and refining credit scoring and risk models, developing ML solutions for loan eligibility and pricing through A/B testing, improving eligibility criteria via repayment data analysis and feature engineering, and collaborating cross-functionally to scale models into production.
  • • Part of a small, high-performing Credit & Underwriting team within M-KOPA Holdings Limited, a mission-driven fintech recognized by TIME 100 and the Financial Times for transforming financial inclusion across Africa.
  • • Opportunity to work with rich repayment datasets, advance technical expertise in predictive modelling and risk analytics, and contribute to measurable social and environmental impact, including carbon-negative operations and expanded access to credit for unbanked populations.

Skills & Technologies

Python
Pandas
NumPy
Scikit-learn
Data Science
Senior
Remote

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M-KOPA Holdings Limited logo
M-KOPA Holdings Limited
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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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