Senior Data Scientist - Credit/Underwriting

Fido empowers millions across Africa to take control of their finances with ease. As a leader in cutting-edge financial technology,

Fido clears the way for building credit, securing instant loans, making smart investments, and obtaining tailored insurance. No banker’s hours, no hidden fees – just endless opportunities.

From city centers to rural communities, Fido is breaking barriers and creating financial freedom, providing access to innovative tools and services that foster growth and empowerment. By leveraging advanced technology, 

Fido is shaping a future of opportunity and financial inclusion across the continent.

Join the team and be a part of leading this transformative change, driving impact where it matters most.

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• 5+ years’ experience in credit risk analytics in emerging markets (e.g., digital lenders, data-driven financial platforms, payment service providers, etc.)
  
• 5+ years’ experience in fraud modelling/transactional risk at fintech or e-commerce scale-ups
  

• Strong applied data science skills (Python, SQL, scikit-learn, ML pipelines)
  
• Experience in credit/fraud feature engineering, from alternative data to transactional behaviors
  
• Solid understanding of loan economics: delinquency curves, loss given default, provisioning, portfolio segmentation
  
• Proven ability to balance statistical performance with business constraints (risk appetite, growth targets, regulatory caps)
  
• Excellent communication and stakeholder management — Able to bridge CRO, finance, collections, and data engineering
  

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