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    Senior Data Scientist – Credit Modeling

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    Company NameM-KOPA
    Company TypePrivate
    Job TypeFull-Time
    Salary RangeMarket Competitive
    LocationKigali, Kigali City, Rwanda
    QualificationsBachelor’s Degree
    Experience5 Year+

    Job Overview

    M-KOPA is seeking a Senior Data Scientist specializing in Credit Modeling to join their team in Kigali, Rwanda. This role involves leveraging data and AI to enhance credit risk assessment and financial product offerings for millions of customers across emerging markets, contributing to financial inclusion.

    Company Overview

    M-KOPA is a UK-headquartered emerging market fintech that provides affordable smartphone and e-motorbike financing and smartphone embedded digital financial services. With operations in Nigeria, Ghana, Kenya, South Africa, and Uganda, the company has extended over $2 billion in credit to more than 7 million customers. Using an innovative financing model based on daily repayments, M-KOPA provides affordable smartphones embedded with financial services that fit with the cash flow of millions of Every Day Earners who earn their income daily. By leveraging rich payments data and proprietary AI-driven analytics, M-KOPA builds a credit record for each customer, which forms the foundation for a long-term financial relationship for digital loans, affordable data subscriptions, and insurance. The company employs over 3,000 staff and 30,000 sales agents across its African markets.

    Quick Details

    • Salary Range: Market Competitive
    • Job Type: Full-time
    • Qualifications: Bachelor’s Degree
    • Experience: 5 Year+

    Key Responsibilities

    • Develop, implement, and maintain advanced credit risk models using machine learning and statistical techniques.
    • Analyze large datasets to identify trends, patterns, and insights for credit product optimization.
    • Collaborate with engineering and product teams to integrate models into production systems.
    • Monitor model performance, conduct regular validations, and recalibrate models as needed.
    • Contribute to the strategic development of M-KOPA’s data science capabilities and credit strategy.
    • Mentor junior data scientists and share best practices within the team.

    Requirements

    • Minimum of 5 years of experience in data science, with a strong focus on credit risk modeling.
    • Proficiency in programming languages such as Python or R and SQL.
    • Solid understanding of statistical modeling, machine learning algorithms, and predictive analytics.
    • Experience with big data technologies (e.g., Spark, Hadoop) and cloud platforms (AWS, Azure, GCP).
    • Bachelor’s degree in a quantitative field (e.g., Statistics, Computer Science, Mathematics, Economics).
    • Excellent communication skills and ability to translate complex analytical concepts to non-technical stakeholders.

    Benefits

    • Opportunity to work with a leading fintech company making a significant social impact.
    • Exposure to diverse emerging markets and a challenging data environment.
    • Competitive salary and performance-based incentives.
    • Professional growth and development opportunities in a fast-paced, innovative team.
    • Collaborative and supportive international work culture.
    • Access to cutting-edge tools and technologies for data science.

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