Senior Data Scientist - Credit Modeling at M Kopa

M Kopa

London·5h ago

SeniorFull-timePythonAWSMachine LearningAPIML

Salary Range

$99,450 - $134,550 /year

Estimated

This salary is estimated based on similar roles. The actual salary may vary.

About the Role

We are looking for a Data Scientist to help drive M-KOPA’s mission of building transformative lifetime financial partnerships with customers. This role focuses on building sophisticated credit scoring models and underwriting frameworks to improve loan offers and eligibility criteria.

Key Responsibilities

→Build and refine credit scoring models to assess customer creditworthiness and default risk
→Analyze repayments data and other sources to improve loan eligibility criteria while managing credit risk
→Develop machine learning models for loan eligibility decisions and pricing optimization
→Refine loan pricing based on credit analysis, predictive modeling, and customer behavior
→Test new types of loans to understand customer demand and credit performance
→Monitor credit performance to detect risk shifts and quantify margin impact
→Test the predictiveness of new data sets and feature engineering for enhanced model performance
→Use Python, SQL, and other tools for data analysis and model development
→Collaborate with data scientists to implement and scale machine learning models

Requirements

✓Several years of experience building predictive models, particularly credit scoring or risk models
✓Strong machine learning background with experience in model development, validation, and deployment
✓Advanced statistical modeling and quantitative analysis skills
✓Proficiency in Python, SQL, and relevant ML libraries
✓Experience with feature engineering, model selection, and hyperparameter tuning
✓Experience translating complex model outputs into actionable business strategies
✓Ability to work cross-functionally with product, engineering, and commercial teams
✓Strong data communication skills — written, oral, and visual
✓Strong interpersonal and collaboration skills
✓(Highly desirable) Experience in credit, underwriting, lending analytics, or fintech modeling