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Data Scientist - Credit Eligibility

M-KOPANairobi
On-site Full-time

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Experience Level

Mid to Senior

Qualifications

Qualifications:Proven experience in data science, particularly in building predictive models. Strong analytical skills with the ability to interpret complex datasets. Familiarity with machine learning techniques and tools. Excellent communication skills to convey technical information to non-technical stakeholders. Passion for using data to drive business strategies and improve customer experiences.

About the job

M-KOPA is looking for a Data Scientist to focus on Credit Eligibility in Nairobi. This position centers on developing predictive models that shape loan eligibility and pricing for five African markets. The work directly influences lending strategies that reach millions of customers.

Impact and Scale

The models built in this role help millions of underserved individuals access credit, often for the first time. M-KOPA has already provided more than $2 billion in credit to over 7 million customers and processes upwards of 1.5 million payments every day. This work supports a mission to expand financial inclusion across the continent.

Key Responsibilities

  • Develop and refine credit scoring and pricing models to expand access to financial services for customers outside formal lending systems.
  • Work with large-scale repayment datasets from five African markets, building machine learning models that balance growth and credit risk.
  • Own the end-to-end process for credit scoring, loan eligibility, and pricing optimization.
  • Collaborate with engineers, analysts, growth managers, and commercial teams across multiple countries.

Why Join M-KOPA?

  • Mission-driven Data Science: Directly contribute to increasing financial access for underserved communities.
  • Recognition: M-KOPA has been named among TIME 100’s most influential companies and recognized as Africa’s fastest-growing company by the Financial Times for four years running (2022–2025).
  • Environmental Commitment: M-KOPA is a carbon-negative company, having displaced over 2.1 million tonnes of emissions.

About M-KOPA

M-KOPA is a pioneering fintech company committed to expanding financial access across Africa. We leverage innovative technologies to provide affordable credit solutions to underserved communities, transforming lives and empowering individuals through financial inclusion.

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