{"id":2801,"date":"2026-02-17T08:11:04","date_gmt":"2026-02-17T08:11:04","guid":{"rendered":"https:\/\/techjobsinghana.com\/?post_type=tjig-jobs&#038;p=2801"},"modified":"2026-02-17T08:11:05","modified_gmt":"2026-02-17T08:11:05","slug":"senior-data-scientist-credit-modeling","status":"publish","type":"tjig-jobs","link":"https:\/\/techjobsinghana.com\/fr\/tjig-jobs\/senior-data-scientist-credit-modeling\/","title":{"rendered":"Senior Data Scientist &#8211; Credit Modeling"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-about-the-job\">About the job<\/h2>\n\n\n\n<p><strong>We are looking for a Senior Data Scientist with strong modeling experience to help drive M-KOPA\u2019s mission of building transformative lifetime financial partnerships with our customers. <\/strong><em>&#8221;This role offers the opportunity to directly impact millions of customers\u2019 access to credit by building sophisticated credit scoring models and underwriting frameworks. You will be a member of a small team with the big responsibility of continuously improving M-KOPA\u2019s loan offers and eligibility criteria through advanced predictive modeling in order to drive growth while managing credit losses and margins. You\u2019ll work cross-functionally with engineers, data scientists, other analysts, growth managers, and commercial stakeholders across multiple countries.&#8221; <\/em><strong>About Us <\/strong>We\u2019re building the future of financial inclusion, and data-driven decision making is at the heart of our mission. Our team combines analytical rigor with deep market understanding to develop loan eligibility and pricing for customers who have traditionally been excluded from formal financial services.<br><br>We foster a low-ego environment where diversity, innovation, and collaboration drive both commercial growth and social impact. You\u2019ll be empowered to make data-driven decisions and clear cases for prioritization of solutions in a domain that you have a high degree of ownership over.<br><br>You\u2019ll be joining a team that\u2019s rapidly expanding our credit and underwriting capabilities. We are looking for someone who loves building predictive models, analyzing complex data, and solving challenging, ambiguous data problems \u2014 if that sounds like you, you might be a fit!<br><br><strong>In this role, you would be responsible for:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Building and refining credit scoring models to assess customer creditworthiness and default risk<\/li>\n\n\n\n<li>Analyzing M-KOPA\u2019s repayments data and other data sources to continuously improve our loan eligibility criteria while managing credit risk<\/li>\n\n\n\n<li>Developing machine learning models for loan eligibility decisions and pricing optimization<\/li>\n\n\n\n<li>Refining loan pricing based on credit analysis, predictive modeling, and customer behavior<\/li>\n\n\n\n<li>Testing new types of loans to understand customer demand and credit performance through A\/B testing and statistical analysis<\/li>\n\n\n\n<li>Monitoring credit performance to detect risk shifts and quantify margin impact using advanced analytics<\/li>\n\n\n\n<li>Testing the predictiveness of new data sets and feature engineering for enhanced model performance<\/li>\n\n\n\n<li>Using Python, SQL, and other tools for data analysis and model development<\/li>\n\n\n\n<li>Collaborating with data scientists to implement and scale machine learning models in production<\/li>\n<\/ul>\n\n\n\n<p>This role can be remote or hybrid, but candidates must be located within our time zones (UTC -1 to UTC+3) to ensure effective collaboration with teams across our multiple locations.<\/p>\n\n\n\n<p>Your application should demonstrate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Several years of experience building predictive models, particularly credit scoring, risk models, or similar classification\/regression problems<\/li>\n\n\n\n<li>Strong machine learning background with experience in model development, validation, and deployment<\/li>\n\n\n\n<li>Advanced statistical modeling and quantitative analysis skills, including experience with model evaluation metrics and performance monitoring<\/li>\n\n\n\n<li>Proficiency in Python, SQL, and relevant ML libraries (scikit-learn, pandas, numpy, etc.)<\/li>\n\n\n\n<li>Experience with feature engineering, model selection, and hyperparameter tuning<\/li>\n\n\n\n<li>Experience translating complex model outputs into actionable business strategies and stakeholder communications<\/li>\n\n\n\n<li>Ability to work cross-functionally with product, engineering, and commercial teams<\/li>\n\n\n\n<li>Strong data communication skills \u2014 written, oral, and visual<\/li>\n\n\n\n<li>Strong interpersonal and collaboration skills<\/li>\n\n\n\n<li>(Highly desirable) Experience in credit, underwriting, lending analytics, or fintech modeling<\/li>\n<\/ul>\n\n\n\n<p>Credit accessibility and affordability are at the core of this role. You\u2019ll join a small, high\u2011performing team where every day brings new modeling challenges and analyses that shape our lending strategy. If building models that can transform financial access for millions of African customers excites you, we\u2019d love to hear from you.<\/p>\n\n\n\n<p>If the above is of interest to you, please apply.<\/p>\n\n\n\n<p><strong>Why M-KOPA? <\/strong>At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility.<\/p>\n\n\n\n<p>Join us in shaping the future of M-KOPA as we grow together. Explore more at <strong>m-kopa.com<\/strong>.<\/p>\n\n\n\n<p><em>Recognized four times by the Financial Times as one Africa&#8217;s fastest growing companies (2022, 2023, 2024 and 2025) and by TIME100 Most influential companies in the world 2023 and 2024 , we&#8217;ve served over 6 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa. <\/em><strong><em>Important Notice <\/em><\/strong><em>M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply. <\/em><em>M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships. <\/em><em>M-KOPA does not collect\/charge any money as a pre-employment or post-employment requirement. This means that we never ask for \u2018recruitment fees\u2019, \u2018processing fees\u2019, \u2018interview fees\u2019, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process. <\/em><em>Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date. <\/em><em>If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.<\/em><\/p>","protected":false},"featured_media":2802,"template":"","recruiter-features":[],"job-types":[11],"tjig-job-categories":[8,5,76],"class_list":["post-2801","tjig-jobs","type-tjig-jobs","status-publish","has-post-thumbnail","hentry","job-types-full-time","tjig-job-categories-cloud-engineers","tjig-job-categories-data-analysts","tjig-job-categories-devops-engineers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Senior Data Scientist - Credit Modeling | Tech Jobs In Ghana<\/title>\n<meta name=\"description\" content=\"About the job We are looking for a Senior Data Scientist with strong modeling experience to help drive M-KOPA\u2019s mission of building transformative\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/techjobsinghana.com\/fr\/tjig-jobs\/senior-data-scientist-credit-modeling\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Senior Data Scientist - Credit Modeling\" \/>\n<meta property=\"og:description\" content=\"About the job We are looking for a Senior Data Scientist with strong modeling experience to help drive M-KOPA\u2019s mission of building transformative\" \/>\n<meta property=\"og:url\" content=\"https:\/\/techjobsinghana.com\/fr\/tjig-jobs\/senior-data-scientist-credit-modeling\/\" \/>\n<meta property=\"og:site_name\" content=\"Tech Jobs In Ghana\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-17T08:11:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2026\/02\/mkopa.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"100\" \/>\n\t<meta property=\"og:image:height\" content=\"100\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/\",\"url\":\"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/\",\"name\":\"Senior Data Scientist - Credit Modeling | Tech Jobs In Ghana\",\"isPartOf\":{\"@id\":\"https:\/\/techjobsinghana.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2026\/02\/mkopa.jpg\",\"datePublished\":\"2026-02-17T08:11:04+00:00\",\"dateModified\":\"2026-02-17T08:11:05+00:00\",\"description\":\"About the job We are looking for a Senior Data Scientist with strong modeling experience to help drive M-KOPA\u2019s mission of building transformative\",\"breadcrumb\":{\"@id\":\"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#breadcrumb\"},\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#primaryimage\",\"url\":\"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2026\/02\/mkopa.jpg\",\"contentUrl\":\"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2026\/02\/mkopa.jpg\",\"width\":100,\"height\":100},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/techjobsinghana.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TJiG Jobs\",\"item\":\"https:\/\/techjobsinghana.com\/fr\/tjig-jobs\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Senior Data Scientist &#8211; Credit Modeling\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/techjobsinghana.com\/#website\",\"url\":\"https:\/\/techjobsinghana.com\/\",\"name\":\"Tech Jobs In Ghana\",\"description\":\"Seemless Integration, Exceptional Results\",\"publisher\":{\"@id\":\"https:\/\/techjobsinghana.com\/#organization\"},\"alternateName\":\"TJG\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/techjobsinghana.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/techjobsinghana.com\/#organization\",\"name\":\"Tech Jobs In Ghana\",\"alternateName\":\"TJiG\",\"url\":\"https:\/\/techjobsinghana.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\/\/techjobsinghana.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2024\/12\/Logo-Web-Tech-Jobs-In-Ghana-min.png\",\"contentUrl\":\"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2024\/12\/Logo-Web-Tech-Jobs-In-Ghana-min.png\",\"width\":728,\"height\":424,\"caption\":\"Tech Jobs In Ghana\"},\"image\":{\"@id\":\"https:\/\/techjobsinghana.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.linkedin.com\/company\/tech-jobs-in-ghana\"],\"description\":\"Tech Jobs In Ghana is a premier recruitment platform dedicated to bridging the gap between top technology talent and forward-thinking organizations. Since our founding in March 2023, we have been committed to empowering professionals and businesses with tailored opportunities in the tech industry. Our Core Values Innovation: We embrace new ideas to deliver cutting-edge solutions. Transparency: Honesty and clarity are at the heart of everything we do. Excellence: We strive for the highest quality in service delivery. Inclusivity: We believe in creating opportunities for everyone in the tech ecosystem.\",\"email\":\"hello@techjobsinghana.com\",\"telephone\":\"+233 55 340 0150\",\"legalName\":\"Tech Jobs In Ghana\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1\",\"maxValue\":\"10\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Senior Data Scientist - Credit Modeling | Tech Jobs In Ghana","description":"About the job We are looking for a Senior Data Scientist with strong modeling experience to help drive M-KOPA\u2019s mission of building transformative","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/techjobsinghana.com\/fr\/tjig-jobs\/senior-data-scientist-credit-modeling\/","og_locale":"fr_CA","og_type":"article","og_title":"Senior Data Scientist - Credit Modeling","og_description":"About the job We are looking for a Senior Data Scientist with strong modeling experience to help drive M-KOPA\u2019s mission of building transformative","og_url":"https:\/\/techjobsinghana.com\/fr\/tjig-jobs\/senior-data-scientist-credit-modeling\/","og_site_name":"Tech Jobs In Ghana","article_modified_time":"2026-02-17T08:11:05+00:00","og_image":[{"width":100,"height":100,"url":"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2026\/02\/mkopa.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Estimation du temps de lecture":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/","url":"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/","name":"Senior Data Scientist - Credit Modeling | Tech Jobs In Ghana","isPartOf":{"@id":"https:\/\/techjobsinghana.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#primaryimage"},"image":{"@id":"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#primaryimage"},"thumbnailUrl":"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2026\/02\/mkopa.jpg","datePublished":"2026-02-17T08:11:04+00:00","dateModified":"2026-02-17T08:11:05+00:00","description":"About the job We are looking for a Senior Data Scientist with strong modeling experience to help drive M-KOPA\u2019s mission of building transformative","breadcrumb":{"@id":"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#breadcrumb"},"inLanguage":"fr-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/"]}]},{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#primaryimage","url":"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2026\/02\/mkopa.jpg","contentUrl":"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2026\/02\/mkopa.jpg","width":100,"height":100},{"@type":"BreadcrumbList","@id":"https:\/\/techjobsinghana.com\/tjig-jobs\/senior-data-scientist-credit-modeling\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/techjobsinghana.com\/"},{"@type":"ListItem","position":2,"name":"TJiG Jobs","item":"https:\/\/techjobsinghana.com\/fr\/tjig-jobs\/"},{"@type":"ListItem","position":3,"name":"Senior Data Scientist &#8211; Credit Modeling"}]},{"@type":"WebSite","@id":"https:\/\/techjobsinghana.com\/#website","url":"https:\/\/techjobsinghana.com\/","name":"Emplois dans le secteur technologique au Ghana","description":"Seemless Integration, Exceptional Results","publisher":{"@id":"https:\/\/techjobsinghana.com\/#organization"},"alternateName":"TJG","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/techjobsinghana.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-CA"},{"@type":"Organization","@id":"https:\/\/techjobsinghana.com\/#organization","name":"Emplois dans le secteur technologique au Ghana","alternateName":"TJiG","url":"https:\/\/techjobsinghana.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/techjobsinghana.com\/#\/schema\/logo\/image\/","url":"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2024\/12\/Logo-Web-Tech-Jobs-In-Ghana-min.png","contentUrl":"https:\/\/techjobsinghana.com\/wp-content\/uploads\/2024\/12\/Logo-Web-Tech-Jobs-In-Ghana-min.png","width":728,"height":424,"caption":"Tech Jobs In Ghana"},"image":{"@id":"https:\/\/techjobsinghana.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/tech-jobs-in-ghana"],"description":"Tech Jobs In Ghana is a premier recruitment platform dedicated to bridging the gap between top technology talent and forward-thinking organizations. Since our founding in March 2023, we have been committed to empowering professionals and businesses with tailored opportunities in the tech industry. Our Core Values Innovation: We embrace new ideas to deliver cutting-edge solutions. Transparency: Honesty and clarity are at the heart of everything we do. Excellence: We strive for the highest quality in service delivery. Inclusivity: We believe in creating opportunities for everyone in the tech ecosystem.","email":"hello@techjobsinghana.com","telephone":"+233 55 340 0150","legalName":"Tech Jobs In Ghana","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"}}]}},"_links":{"self":[{"href":"https:\/\/techjobsinghana.com\/fr\/wp-json\/wp\/v2\/tjig-jobs\/2801","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techjobsinghana.com\/fr\/wp-json\/wp\/v2\/tjig-jobs"}],"about":[{"href":"https:\/\/techjobsinghana.com\/fr\/wp-json\/wp\/v2\/types\/tjig-jobs"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techjobsinghana.com\/fr\/wp-json\/wp\/v2\/media\/2802"}],"wp:attachment":[{"href":"https:\/\/techjobsinghana.com\/fr\/wp-json\/wp\/v2\/media?parent=2801"}],"wp:term":[{"taxonomy":"recruiter-features","embeddable":true,"href":"https:\/\/techjobsinghana.com\/fr\/wp-json\/wp\/v2\/recruiter-features?post=2801"},{"taxonomy":"job-types","embeddable":true,"href":"https:\/\/techjobsinghana.com\/fr\/wp-json\/wp\/v2\/job-types?post=2801"},{"taxonomy":"tjig-job-categories","embeddable":true,"href":"https:\/\/techjobsinghana.com\/fr\/wp-json\/wp\/v2\/tjig-job-categories?post=2801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}