Moniepoint is hiring a Data Science Manager (Credit)

Moniepoint is hiring a Data Science Manager (Credit) to spearhead our consumer credit data science initiatives. Based in Spain, this hands-on managerial role is pivotal for building and scaling a team responsible for pricing, credit limit modelling, and production model deployment, with direct ownership of decisions impacting millions of customers. You'll collaborate closely with our Consumer Credit, Product, and Engineering teams to shape how we assess risk, design products, and measure outcomes across the credit lifecycle.

What You'll Do

• Develop 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.

What We're Looking For

• A degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering, or similar).
• Over 5 years of experience in data science, decision science, or risk analytics within financial services.
• Over 2 years in a management role.
• Working knowledge of credit risk, consumer lending, and regulatory considerations.
• Proficiency in SQL and at least one modelling/programming language (Python or R).
• Experience with A/B testing, machine learning, collections modelling, and churn management.
• Ability to translate complex analyses into clear recommendations for business stakeholders.
• A high ownership mindset and comfort working in fast-paced, cross-functional teams.

Technical Stack

• SQL
• Python
• R

Team & Environment

You’ll work closely with Consumer Credit, Product, and Engineering teams, reporting to the Director of Data Science.

Benefits & Compensation

• 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.

Work Mode

This is a remote position based in Spain.

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.