What You'll Do

At M-KOPA, you'll build and refine the predictive models that power our lending strategy. You'll sit within a small, high-performing team with end-to-end ownership of credit scoring, loan eligibility, and pricing optimisation — working cross-functionally with engineers, analysts, growth managers, and commercial stakeholders across multiple countries. Join us in combining cutting-edge data science with purpose-driven work that makes digital and financial inclusion possible across Africa.

Day to day, you'll be:

Building and refining credit scoring models that assess customer creditworthiness, default risk, and loan pricing across multiple markets

Developing and testing ML models for loan eligibility and pricing optimisation through A/B testing and statistical analysis

Continuously improving eligibility criteria by analysing repayment data, engineering new features, and monitoring credit performance for risk shifts and margin impact

Collaborating cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production

Technical Environment 💻

Languages & Libraries: Python, SQL, scikit-learn, pandas, numpy, and relevant ML libraries

Techniques: Predictive modelling, classification/regression, feature engineering, model selection, hyperparameter tuning, A/B testing

Domain: Credit scoring, underwriting, loan pricing, risk analytics

Our Team Approach

Low-ego environment where diversity, innovation, and collaboration drive both commercial growth and social impact

High degree of ownership over your domain — you're empowered to make data-driven decisions and prioritise solutions

Cross-functional collaboration with engineering, product, and commercial teams across multiple countries

Analytical rigour combined with deep market understanding to serve customers excluded from formal financial services

Required Experience:

Experience building predictive models, particularly credit scoring, risk models, or similar classification/regression problems

ML background with hands-on experience in model development, validation, deployment, and performance monitoring

Proficiency in Python, SQL, and relevant ML libraries (scikit-learn, pandas, numpy, etc.) with experience in feature engineering, model selection, and hyperparameter tuning

Experience translating complex model outputs into actionable business strategies and stakeholder communications

Ability to work cross-functionally with product, engineering, and commercial teams

Strong data communication skills — written, oral, and visual

Highly Desirable:

Experience in credit, underwriting, lending analytics, or fintech modelling

Location & Benefits

Fully remote role within UTC -1 to UTC +3 time zones

Work with diverse teams across UK, Europe, and Africa

Professional development programmes and coaching partnerships

Family-friendly policies and flexible working arrangements

Well-being support and career growth opportunities