M-KOPA is a carbon-negative company named by TIME 100 as one of the world's most influential companies and recognized four times by the Financial Times as one of Africa's fastest-growing companies (2022–2025). The company has served over 7 million customers, unlocking over $2 billion in cumulative credit for the unbanked across Africa, processing over 1.5 million payments daily. M-KOPA makes financing for everyday essentials accessible to everyone, driving inclusion of women, youth, and low-income communities.

A Data Scientist is needed to build and refine predictive models that power lending strategy across 5 African markets. You will own the models that shape loan eligibility and pricing, working within a small, high-performing team with end-to-end ownership of credit scoring, loan eligibility, and pricing optimisation. You will collaborate cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production.

• Job Location: Remote (UTC -1 to UTC +3 time zones) – Nairobi, Accra, Johannesburg, Kampala, or Lagos
• Salary: Not stated
• Employment Type: Full time
• Benefits: Professional development programmes and coaching partnerships, family-friendly policies, flexible working arrangements, well-being support, career growth opportunities
• Application Deadline: Rolling basis (vacancy may close early if suitable candidate is selected)

• Build and refine credit scoring models that assess customer creditworthiness, default risk, and loan pricing across multiple markets
• Develop and test ML models for loan eligibility and pricing optimisation through A/B testing and statistical analysis
• Continuously improve eligibility criteria by analysing repayment data, engineering new features, and monitoring credit performance for risk shifts and margin impact
• Collaborate cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production

• 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)
• Experience in credit, underwriting, lending analytics, or fintech modelling (highly desirable)

How to Apply
Apply using the link below. Applications are reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. M-KOPA does not charge any fees as a pre-employment or post-employment requirement.

Apply Here

About This Listing
This page is part of our regularly updated collection of job opportunities. Each listing is shared to help users find available roles without upfront costs. 

What You Should Know 
Details such as eligibility, requirements, deadlines, and availability may change at any time. 
We do not control the hiring or enrollment process and are not responsible for final selections, or outcomes. 

Disclaimer 
This website does not act as an employer, recruiter, or training provider. 
Users are advised to verify information directly from the official source before applying.

Want to see all current job openings? Browse our latest IT & Tech job listings to find roles that match your skills.