Who we are

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process 100s of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our teams operate in a fast-paced, high-impact environment alongside international leaders from companies like Glovo, Bolt, Monzo, Klarna, Checkout.com, and Tide. If you want to build our data science function from the ground up, work with one of Africa’s highest-scale fintech data sets, and ship products that influence tens of millions of users, this is an exceptional time to join.

About the role

We’re looking for a strategic and hands-on Data Science Manager (Marketing) to lead our data initiatives in a high-growth environment. This role is pivotal in driving our data strategy, fostering a data-driven culture, and ensuring the robust infrastructure and insights necessary for our continued success as a leading African fintech. 

You’ll collaborate with our amazing Marketing team and lead a dedicated data team to help execute our marketing strategy. You’ll be responsible for building and improving our current capabilities while shaping the future roadmap. We’re looking for a hands-on and data-driven strategic leader who can bring fresh thinking and inspire both the team and our customers.

Your day-to-day

• Strategic Leadership: Be a key leader in building a discipline of exceptional data scientists and analysts. Develop and execute a comprehensive data strategy - design what world class looks like
• Team Building & Management: Hire, develop, and retain a high performing team of data professionals
• Experimentation: Champion and drive a culture of rigorous experimentation, including A/B testing, to inform product development and business decisions.
• Data Pipeline Ownership: Oversee the end-to-end ownership, design, development, and maintenance of scalable and reliable data pipelines.
• Data Insights & Analytics - including model development and productionisation: Drive the generation of actionable insights from data to support various business functions, including product, marketing, risk, and operations. How can we build Marketing Mix Models for better channel attribution modeling? What is our actual channel per channel mCAC? Which customer segments are more/less engaged? What are our customers’ share of wallet - how can we use this?
• Stakeholder Collaboration: Liaise with marketing, product, and engineering managers to ensure we collect the right data for meaningful business insights. Bring data leadership and rigour to our approach to product development. Build a strategic understanding of the business and structure complex projects to bring them to life.

We would love to hear from you if

• What we’re doing here at Moniepoint excites you!
• You have proven experience (typically 8+ years overall and +2 years in management / in data leadership roles), with a strong focus on strategy, execution, and team management. You love coaching and make everyone better around
• you.
• You’ve expertise in experimentation methodologies and A/B testing frameworks (multivariate, geo-holdouts, etc, variance reduction techniques)
• You can create data pipelines (including designing/architecting them - ETL/ELT) - especially using cloud platforms (we use Clickhouse and Bigquery here)
• You’re confident with data Science tools languages (Python and SQL). You know when to pick the right tool, and can help others do the same
• Strong analytical, problem-solving, and communication skills - you can describe the problem, solve it, and relay it back to a wide array of audiences
• You love working in marketing and using advertising data from platforms such as Facebook 

What Moniepoint Can Offer You 

• The opportunity to drive financial inclusion and shape the future of the African financial ecosystem 
• The chance to work on innovative and impactful projects
• A dynamic, diverse, and collaborative environment where every team member’s voice is recognized and valued 
• Flexible work arrangements
• Continuous learning and career growth opportunities
• Competitive salary, individual performance bonuses, and firmwide performance bonus 
• Company covered health insurance plans
• Pension plans 

What to expect in the hiring process

• A preliminary phone call with one of our recruiters
• An intro call with the Director of Data Science 
• Take-home task (hands on coding / marketing modelling case study)
• A business case study with our Head of Marketing Strategy & Data
• A live technical coding interview with our Director, Data Science
• A 60 min culture fit interview with our Director, Data Science

Moniepoint is an equal-opportunity employer. We believe diversity makes us stronger and are committed to creating an inclusive environment for all employees and candidates.

#LI-Remote

Who we are

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process 100s of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our teams operate in a fast-paced, high-impact environment alongside international leaders from companies like Glovo, Bolt, Monzo, Klarna, Checkout.com, and Tide. If you want to build our data science function from the ground up, work with one of Africa’s highest-scale fintech data sets, and ship products that influence tens of millions of users, this is an exceptional time to join.

About the role

We’re looking for a strategic and hands-on Data Science Manager (Marketing) to lead our data initiatives in a high-growth environment. This role is pivotal in driving our data strategy, fostering a data-driven culture, and ensuring the robust infrastructure and insights necessary for our continued success as a leading African fintech. 

You’ll collaborate with our amazing Marketing team and lead a dedicated data team to help execute our marketing strategy. You’ll be responsible for building and improving our current capabilities while shaping the future roadmap. We’re looking for a hands-on and data-driven strategic leader who can bring fresh thinking and inspire both the team and our customers.

Your day-to-day

• Strategic Leadership: Be a key leader in building a discipline of exceptional data scientists and analysts. Develop and execute a comprehensive data strategy - design what world class looks like
• Team Building & Management: Hire, develop, and retain a high performing team of data professionals
• Experimentation: Champion and drive a culture of rigorous experimentation, including A/B testing, to inform product development and business decisions.
• Data Pipeline Ownership: Oversee the end-to-end ownership, design, development, and maintenance of scalable and reliable data pipelines.
• Data Insights & Analytics - including model development and productionisation: Drive the generation of actionable insights from data to support various business functions, including product, marketing, risk, and operations. How can we build Marketing Mix Models for better channel attribution modeling? What is our actual channel per channel mCAC? Which customer segments are more/less engaged? What are our customers’ share of wallet - how can we use this?
• Stakeholder Collaboration: Liaise with marketing, product, and engineering managers to ensure we collect the right data for meaningful business insights. Bring data leadership and rigour to our approach to product development. Build a strategic understanding of the business and structure complex projects to bring them to life.

We would love to hear from you if

• What we’re doing here at Moniepoint excites you!
• You have proven experience (typically 8+ years overall and +2 years in management / in data leadership roles), with a strong focus on strategy, execution, and team management. You love coaching and make everyone better around
• you.
• You’ve expertise in experimentation methodologies and A/B testing frameworks (multivariate, geo-holdouts, etc, variance reduction techniques)
• You can create data pipelines (including designing/architecting them - ETL/ELT) - especially using cloud platforms (we use Clickhouse and Bigquery here)
• You’re confident with data Science tools languages (Python and SQL). You know when to pick the right tool, and can help others do the same
• Strong analytical, problem-solving, and communication skills - you can describe the problem, solve it, and relay it back to a wide array of audiences
• You love working in marketing and using advertising data from platforms such as Facebook 

What Moniepoint Can Offer You 

• The opportunity to drive financial inclusion and shape the future of the African financial ecosystem 
• The chance to work on innovative and impactful projects
• A dynamic, diverse, and collaborative environment where every team member’s voice is recognized and valued 
• Flexible work arrangements
• Continuous learning and career growth opportunities
• Competitive salary, individual performance bonuses, and firmwide performance bonus 
• Company covered health insurance plans
• Pension plans 

What to expect in the hiring process

• A preliminary phone call with one of our recruiters
• An intro call with the Director of Data Science 
• Take-home task (hands on coding / marketing modelling case study)
• A business case study with our Head of Marketing Strategy & Data
• A live technical coding interview with our Director, Data Science
• A 60 min culture fit interview with our Director, Data Science

Moniepoint is an equal-opportunity employer. We believe diversity makes us stronger and are committed to creating an inclusive environment for all employees and candidates.

#LI-Remote

Who we are

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process hundreds of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our India team is a core part of this scale, with ~100 teammates spread across the country. You’ll work in a fast-paced, high-impact environment alongside experienced operators from companies such as Gojek, Tide, Amazon, Walmart, Paytm, BharatPe, Zeta, Delivery Hero, Grab, and Groupon. If you want to build at scale, work with one of Africa’s highest-volume fintech data sets, and ship products that materially impact tens of millions of users, this is an exceptional time to join.

About the role

We’re looking for a strategic and hands-on Data Science Manager (Marketing) to lead our data initiatives in a high-growth environment. This role is pivotal in driving our data strategy, fostering a data-driven culture, and ensuring the robust infrastructure and insights necessary for our continued success as a leading African fintech. 

You’ll collaborate with our amazing Marketing team and lead a dedicated data team to help execute our marketing strategy. You’ll be responsible for building and improving our current capabilities while shaping the future roadmap. We’re looking for a hands-on and data-driven strategic leader who can bring fresh thinking and inspire both the team and our customers.

Your day-to-day

• Strategic Leadership: Be a key leader in building a discipline of exceptional data scientists and analysts. Develop and execute a comprehensive data strategy - design what world class looks like
• Team Building & Management: Hire, develop, and retain a high performing team of data professionals
• Experimentation: Champion and drive a culture of rigorous experimentation, including A/B testing, to inform product development and business decisions.
• Data Pipeline Ownership: Oversee the end-to-end ownership, design, development, and maintenance of scalable and reliable data pipelines.
• Data Insights & Analytics - including model development and productionisation: Drive the generation of actionable insights from data to support various business functions, including product, marketing, risk, and operations. How can we build Marketing Mix Models for better channel attribution modeling? What is our actual channel per channel mCAC? Which customer segments are more/less engaged? What are our customers’ share of wallet - how can we use this?
• Stakeholder Collaboration: Liaise with marketing, product, and engineering managers to ensure we collect the right data for meaningful business insights. Bring data leadership and rigour to our approach to product development. Build a strategic understanding of the business and structure complex projects to bring them to life.

We would love to hear from you if

• What we’re doing here at Moniepoint excites you!
• You have proven experience (typically 8+ years overall and +4 years in management / in data leadership roles), with a strong focus on strategy, execution, and team management. You love coaching and make everyone better around
• you.
• You’ve expertise in experimentation methodologies and A/B testing frameworks (multivariate, geo-holdouts, etc, variance reduction techniques)
• You can create data pipelines (including designing/architecting them - ETL/ELT) - especially using cloud platforms (we use Clickhouse and Bigquery here)
• You’re confident with data Science tools languages (Python and SQL). You know when to pick the right tool, and can help others do the same
• Strong analytical, problem-solving, and communication skills - you can describe the problem, solve it, and relay it back to a wide array of audiences
• You love working in marketing and using advertising data from platforms such as Facebook 

What Moniepoint Can Offer You 

• The opportunity to drive financial inclusion and shape the future of the African financial ecosystem 
• The chance to work on innovative and impactful projects
• A dynamic, diverse, and collaborative environment where every team member’s voice is recognized and valued 
• Flexible work arrangements
• Continuous learning and career growth opportunities
• Competitive salary, individual performance bonuses, and firmwide performance bonus 
• Company covered health insurance plans
• Pension plans 

What to expect in the hiring process

• A preliminary phone call with one of our recruiters
• An intro call with the Director of Data Science 
• Take-home task (hands on coding / marketing modelling case study)
• A business case study with our Head of Marketing Strategy & Data
• A live technical coding interview with our Director, Data Science
• A 60 min culture fit interview with our Director, Data Science

Moniepoint is an equal-opportunity employer. We believe diversity makes us stronger and are committed to creating an inclusive environment for all employees and candidates.

#LI-Remote

Who we are

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process hundreds of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our India team is a core part of this scale, with ~100 teammates based across Bengaluru, Mumbai, Pune, Chennai, Hyderabad, and Gurgaon. You’ll work in a fast-paced, high-impact environment alongside experienced operators from companies such as Gojek, Tide, Amazon, Walmart, Paytm, BharatPe, Zeta, Delivery Hero, Grab, and Groupon. If you want to build at scale, work with one of Africa’s highest-volume fintech data sets, and ship products that materially impact tens of millions of users, this is an exceptional time to join.

About the role: 

At Moniepoint, data is at the core of everything we do. We are a customer-centric company, and your work will enable our teams to make informed, data-driven decisions that directly impact the success of our business. We are seeking a data-driven, impact-oriented Senior Data Scientist to power Moniepoint’s consumer lending decisions at scale. You will build the models, experiments, and insights that shape how we acquire, underwrite, and retain millions of customers across Nigeria and Africa.

This role is pivotal in driving our pricing, credit limit modelling, and credit model deployment strategy in a growing business with unparalleled opportunities to give access to millions of customers. You’ll collaborate with our amazing Consumer Credit team and drive how we think about risk ranking, product offering, and data infrastructure to create the best personalised offers for our customers. You’ll be responsible for building our first suite of credit risk models and help drive a culture of how we should think about machine learning vs more traditional methods - bringing fresh thinking to inspire both the team and our customers.

Sitting at the intersection of data science, credit risk, and product, you’ll translate complex data into actionable decisions that drive growth with healthy portfolio performance.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

What You’ll Do

• Develop and deploy credit scoring, affordability, and behavioural models to support underwriting, pricing, and collections
• Design and run experiments to optimise approval rates, loss rates, and profitability
• Partner with product squads to embed decision logic into real-time systems
• Ensure data quality, compliance, and ethical use of models across all decisioning processes
• Mentor product squads on best practices in experimentation and data-driven decision making
• Provide models to optimise outcomes in collections, churn management and user retention

We would love to hear from you if…

• You’re comfortable with Statistics - and have a Degree or qualifications  in a quantitative field (Statistics, Mathematics, Engineering or similar)
• You have +5 years of experience in data science, decision science, or risk analytics within financial services
• Working knowledge of credit risk, consumer lending, and regulatory considerations
• Proficiency in SQL and at least one modelling/programming language (Python, R)
• Experience with A/B testing, machine learning, collections modelling and churn management
• Ability to translate complex analyses into clear recommendations for business stakeholders
• High ownership mindset and comfort working in fast-paced, cross-functional teams

What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms).
• A take-home assignment
• A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth
• A behavioural and technical interview with the hiring manager

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process hundreds of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our India team is a core part of this scale, with ~100 teammates based across Bengaluru, Mumbai, Pune, Chennai, Hyderabad, and Gurgaon. You’ll work in a fast-paced, high-impact environment alongside experienced operators from companies such as Gojek, Tide, Amazon, Walmart, Paytm, BharatPe, Zeta, Delivery Hero, Grab, and Groupon. If you want to build at scale, work with one of Africa’s highest-volume fintech data sets, and ship products that materially impact tens of millions of users, this is an exceptional time to join.

About the role: 

We’re looking for a hands-on Senior Data Scientist (Fraud) to help detect, prevent, and reduce fraud across one of the largest financial transaction ecosystems in Africa. Operating at the heart of real-time payments, identity, behavioural risk, and transaction monitoring, this role works at massive scale with direct, real-world impact.

You’ll partner closely with Fraud, Risk, Product, and Engineering teams to design, build, and deploy production fraud models that sit directly in decision flows. Sitting at the intersection of data science, fraud strategy, and product, you’ll translate complex behavioural signals into high-confidence, real-time decisions - balancing fraud loss, customer experience, and regulatory expectations to protect millions of customers and businesses.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

What You’ll Do

• Develop and deploy fraud detection, transaction monitoring, and behavioural risk models across payments, accounts, onboarding, and merchant activity
• Design and run experiments to optimise fraud catch rates, false positives, and customer friction
• Partner with product and engineering teams to embed models into real-time decisioning systems
• Build features from high-volume transactional, device, network, and behavioural data
• Continuously monitor model performance, drift, and emerging fraud patterns
• Ensure data quality, governance, and responsible use of models in regulated environments
• Support investigations, strategy, and policy teams with advanced fraud analytics
• Mentor analysts and product teams on experimentation, detection strategy, and data-driven decision making

We would love to hear from you if…

• A strong foundation in statistics with a degree in a quantitative field (Statistics, Mathematics, Engineering, Computer Science, or similar)
• 5+ years of experience in data science, decision science, or risk analytics within fraud, payments, or financial crime
• Hands-on experience with fraud detection, transaction monitoring, or behavioural risk modelling
• Proficiency in SQL and at least one modelling/programming language (Python or R)
• Experience with machine learning, anomaly detection, network/graph features, and real-time decision systems
• Strong intuition for fraud typologies, adversarial behaviour, and evolving attack patterns
• Ability to translate complex analysis into clear, actionable recommendations for technical and non-technical stakeholders
• High ownership mindset and comfort working in fast-paced, cross-functional product environments

What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A coding exercise on HackerRank – covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms).
• A take-home assignment
• A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth
• A behavioural and technical interview with the hiring manager

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process hundreds of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our India team is a core part of this scale, with ~100 teammates based across Bengaluru, Mumbai, Pune, Chennai, Hyderabad, and Gurgaon. You’ll work in a fast-paced, high-impact environment alongside experienced operators from companies such as Gojek, Tide, Amazon, Walmart, Paytm, BharatPe, Zeta, Delivery Hero, Grab, and Groupon. If you want to build at scale, work with one of Africa’s highest-volume fintech data sets, and ship products that materially impact tens of millions of users, this is an exceptional time to join.

About the role: 

At Moniepoint, data is at the core of everything we do. We are a customer-centric company, and your work will enable our teams to make informed, data-driven decisions that directly impact the success of our business. We are seeking a data-driven, impact-oriented Senior Data Scientist to power Moniepoint’s consumer lending decisions at scale. You will build the models, experiments, and insights that shape how we acquire, underwrite, and retain millions of customers across Nigeria and Africa.

This role is pivotal in driving our pricing, credit limit modelling, and credit model deployment strategy in a growing business with unparalleled opportunities to give access to millions of customers. You’ll collaborate with our amazing Consumer Credit team and drive how we think about risk ranking, product offering, and data infrastructure to create the best personalised offers for our customers. You’ll be responsible for building our first suite of credit risk models and help drive a culture of how we should think about machine learning vs more traditional methods - bringing fresh thinking to inspire both the team and our customers.

Sitting at the intersection of data science, credit risk, and product, you’ll translate complex data into actionable decisions that drive growth with healthy portfolio performance.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

What You’ll Do

• Develop and deploy credit scoring, affordability, and behavioural models to support underwriting, pricing, and collections
• Design and run experiments to optimise approval rates, loss rates, and profitability
• Partner with product squads to embed decision logic into real-time systems
• Ensure data quality, compliance, and ethical use of models across all decisioning processes
• Mentor product squads on best practices in experimentation and data-driven decision making
• Provide models to optimise outcomes in collections, churn management and user retention

We would love to hear from you if…

• You’re comfortable with Statistics - and have a Degree or qualifications  in a quantitative field (Statistics, Mathematics, Engineering or similar)
• You have +5 years of experience in data science, decision science, or risk analytics within financial services
• Working knowledge of credit risk, consumer lending, and regulatory considerations
• Proficiency in SQL and at least one modelling/programming language (Python, R)
• Experience with A/B testing, machine learning, collections modelling and churn management
• Ability to translate complex analyses into clear recommendations for business stakeholders
• High ownership mindset and comfort working in fast-paced, cross-functional teams

What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms).
• A take-home assignment
• A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth
• A behavioural and technical interview with the hiring manager

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process 100s of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our teams operate in a fast-paced, high-impact environment alongside international leaders from companies like Glovo, Bolt, Monzo, Klarna, Checkout.com, and Tide. If you want to build our data science function from the ground up, work with one of Africa’s highest-scale fintech data sets, and ship products that influence tens of millions of users, this is an exceptional time to join.

About the role: 

At Moniepoint, data is at the core of everything we do. We are a customer-centric company, and your work will enable our teams to make informed, data-driven decisions that directly impact the success of our business. We are seeking a data-driven, impact-oriented Senior Data Scientist to power Moniepoint’s consumer lending decisions at scale. You will build the models, experiments, and insights that shape how we acquire, underwrite, and retain millions of customers across Nigeria and Africa.

This role is pivotal in driving our pricing, credit limit modelling, and credit model deployment strategy in a growing business with unparalleled opportunities to give access to millions of customers. You’ll collaborate with our amazing Consumer Credit team and drive how we think about risk ranking, product offering, and data infrastructure to create the best personalised offers for our customers. You’ll be responsible for building our first suite of credit risk models and help drive a culture of how we should think about machine learning vs more traditional methods - bringing fresh thinking to inspire both the team and our customers.

Sitting at the intersection of data science, credit risk, and product, you’ll translate complex data into actionable decisions that drive growth with healthy portfolio performance.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

What You’ll Do

• Develop and deploy credit scoring, affordability, and behavioural models to support underwriting, pricing, and collections
• Design and run experiments to optimise approval rates, loss rates, and profitability
• Partner with product squads to embed decision logic into real-time systems
• Ensure data quality, compliance, and ethical use of models across all decisioning processes
• Mentor product squads on best practices in experimentation and data-driven decision making
• Provide models to optimise outcomes in collections, churn management and user retention

We would love to hear from you if…

• You’re comfortable with Statistics - and have a Degree or qualifications  in a quantitative field (Statistics, Mathematics, Engineering or similar)
• You have +5 years of experience in data science, decision science, or risk analytics within financial services
• Working knowledge of credit risk, consumer lending, and regulatory considerations
• Proficiency in SQL and at least one modelling/programming language (Python, R)
• Experience with A/B testing, machine learning, collections modelling and churn management
• Ability to translate complex analyses into clear recommendations for business stakeholders
• High ownership mindset and comfort working in fast-paced, cross-functional teams

What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A coding exercise on HackerRank - covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms).
• A take-home assignment
• A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth
• A behavioural and technical interview with the hiring manager

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Who we are

Moniepoint is a global fintech building modern financial services for millions of people and businesses across high-growth markets. We provide payments, banking, credit, and financial management tools - reliable products that people and businesses use every day to run their lives, grow their companies, and move money safely.

Our mission is simple: to enable financial happiness for every African, everywhere. And this is day one. We’ve grown rapidly in Nigeria and the UK, and we’re now expanding our product, engineering, and analytics teams. Our work ranges from building financial infrastructure to designing intuitive customer experiences for emerging markets - solving real, meaningful problems at scale.

We onboard over a million new customers each month, process 100s of billions of dollars in payments annually, and support tens of millions of users across our ecosystem. Our teams operate in a fast-paced, high-impact environment alongside international leaders from companies like Glovo, Bolt, Monzo, Klarna, Checkout.com, and Tide. If you want to build our data science function from the ground up, work with one of Africa’s highest-scale fintech data sets, and ship products that influence tens of millions of users, this is an exceptional time to join.

About the role: 

We’re looking for a hands-on Senior Data Scientist (Fraud) to help detect, prevent, and reduce fraud across one of the largest financial transaction ecosystems in Africa. Operating at the heart of real-time payments, identity, behavioural risk, and transaction monitoring, this role works at massive scale with direct, real-world impact.

You’ll partner closely with Fraud, Risk, Product, and Engineering teams to design, build, and deploy production fraud models that sit directly in decision flows. Sitting at the intersection of data science, fraud strategy, and product, you’ll translate complex behavioural signals into high-confidence, real-time decisions - balancing fraud loss, customer experience, and regulatory expectations to protect millions of customers and businesses.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

What You’ll Do

• Develop and deploy fraud detection, transaction monitoring, and behavioural risk models across payments, accounts, onboarding, and merchant activity
• Design and run experiments to optimise fraud catch rates, false positives, and customer friction
• Partner with product and engineering teams to embed models into real-time decisioning systems
• Build features from high-volume transactional, device, network, and behavioural data
• Continuously monitor model performance, drift, and emerging fraud patterns
• Ensure data quality, governance, and responsible use of models in regulated environments
• Support investigations, strategy, and policy teams with advanced fraud analytics
• Mentor analysts and product teams on experimentation, detection strategy, and data-driven decision making

We would love to hear from you if…

• A strong foundation in statistics with a degree in a quantitative field (Statistics, Mathematics, Engineering, Computer Science, or similar)
• 5+ years of experience in data science, decision science, or risk analytics within fraud, payments, or financial crime
• Hands-on experience with fraud detection, transaction monitoring, or behavioural risk modelling
• Proficiency in SQL and at least one modelling/programming language (Python or R)
• Experience with machine learning, anomaly detection, network/graph features, and real-time decision systems
• Strong intuition for fraud typologies, adversarial behaviour, and evolving attack patterns
• Ability to translate complex analysis into clear, actionable recommendations for technical and non-technical stakeholders
• High ownership mindset and comfort working in fast-paced, cross-functional product environments

What we can offer you

• Culture: We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits

What to expect in the hiring process

• A preliminary phone call with the recruiter
• A coding exercise on HackerRank – covering core data science theory (math, statistics, linear algebra) and Python fundamentals (data structures & algorithms).
• A take-home assignment
• A technical interview with a Lead in our Data Science Team to review your take-home assignment in depth
• A behavioural and technical interview with the hiring manager

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.