Data Science Manager (Credit)
On-siteLagos, Lagos, Nigeria
Job Summary
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 while partnering 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. Lead consumer credit data science efforts in a high-growth environment, shaping risk assessment and credit product design.
Required Qualifications
- comfortable with Statistics
- Degree or qualifications in a quantitative field (Statistics, Mathematics, Engineering or similar)
- +5 years of experience in data science, decision science, or risk analytics within financial services
- +2 years in management
- Working knowledge of credit risk, consumer lending, and regulatory considerations
- Proficiency in SQL
- Proficiency in at least one modelling/programming language (Python, R)
- Experience with A/B testing
- Experience with machine learning
- Experience with collections modelling
- Experience with churn management
- Ability to translate complex analyses into clear recommendations for business stakeholders
- High ownership mindset
- comfort working in fast-paced, cross-functional teams
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