Role overview
- Building and refining credit scoring models to assess customer creditworthiness and default risk
- Analyzing M-KOPA’s repayments data and other data sources to continuously improve our loan eligibility criteria while managing credit risk
- Developing machine learning models for loan eligibility decisions and pricing optimization
- Refining loan pricing based on credit analysis, predictive modeling, and customer behavior
- Testing new types of loans to understand customer demand and credit performance through A/B testing and statistical analysis
- Monitoring credit performance to detect risk shifts and quantify margin impact using advanced analytics
- Testing the predictiveness of new data sets and feature engineering for enhanced model performance
- Using Python, SQL, and other tools for data analysis and model development
- Collaborating with data scientists to implement and scale machine learning models in production
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.
What we're looking for
''This role offers the opportunity to directly impact millions of customers’ 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’s loan offers and eligibility criteria through advanced predictive modeling in order to drive growth while managing credit losses and margins. You’ll work cross-functionally with engineers, data scientists, other analysts, growth managers, and commercial stakeholders across multiple countries.''
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.
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.
M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process.
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.
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.