Data Scientist – Credit Eligibility

M-KOPA

Data Scientist building credit scoring and pricing models at M-KOPA for underserved customers in Africa. Collaborating cross-functionally with teams to improve financial access.

Posted 4/16/2026full-timeRemote • 🇬🇧 United KingdomMid-LevelSeniorWebsite

Tech Stack

Tools & technologies

NumpyPandasPythonScikit-LearnSQL

About the role

Key responsibilities & impact

Building and refining credit scoring models that assess customer creditworthiness, default risk, and loan pricing across multiple markets
Developing and testing ML 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
Collaborating cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production

Requirements

What you’ll need

Experience building predictive models, particularly credit scoring, risk models, or similar classification/regression problems
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, etc.) 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

Comp & perks

Professional development programmes and coaching partnerships
Family-friendly policies and flexible working arrangements
Well-being support and career growth opportunities

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit scoring modelspredictive modelsrisk modelsmachine learningmodel developmentmodel validationmodel deploymentperformance monitoringfeature engineeringhyperparameter tuning

Soft Skills

collaborationdata communicationstakeholder communicationcross-functional teamworkanalytical skills