M-KOPA Holdings Limited logo

Senior Data Scientist - Credit Eligibility

Job Overview

Location

London

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 pricing through A/B testing, improving eligibility criteria via feature engineering and repayment data analysis, and collaborating cross-functionally to deploy models into production.
  • • Part of a small, high-performing Credit & Underwriting team at M-KOPA, a mission-driven fintech recognized by TIME 100 and Financial Times for scaling financial inclusion across Africa with over $2 billion in credit delivered to 7+ million customers.
  • • Opportunity to advance technical expertise in predictive modeling, feature engineering, and ML deployment while driving real-world impact in financial inclusion, carbon-negative operations, and economic empowerment across emerging markets.

🎯 Requirements

  • • Experience building predictive models, particularly credit scoring, risk models, or similar classification/regression problems
  • • Strong ML background with hands-on experience in model development, validation, deployment, and performance monitoring
  • • Proficiency in Python, SQL, and relevant ML libraries (scikit-learn, pandas, numpy) with experience in feature engineering, model selection, and hyperparameter tuning
  • • Experience translating complex model outputs into actionable business strategies and stakeholder communications
  • • Ability to work cross-functionally with product, engineering, and commercial teams
  • • Strong data communication skills — written, oral, and visual

🏖️ Benefits

  • • Fully remote role within UTC-1 to UTC+3 time zones, enabling collaboration across UK, Europe, and Africa
  • • Professional development programmes and coaching partnerships for career growth
  • • Family-friendly policies and flexible working arrangements
  • • Well-being support and commitment to employee inclusion and dignity
  • • Opportunity to contribute to a carbon-negative mission that has displaced over 2.1 million tonnes of emissions

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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