M-KOPA Accounting Jobs in Accra
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We're hiring a Senior Data Scientist - Credit Risk for our team based in Ghana. Your predictive models and data-driven experiments will unlock financial inclusion for millions across Africa. Using SQL, Python/R, and rich transactional datasets, you'll translate complex data into strategic insights that shape how we responsibly serve Every Day Earners.
The Impact
Your analytics will shape executive decisions on risk, pricing, and growth. We've unlocked over $2 billion in credit for 7 million customers by building sophisticated models that serve the traditionally excluded. You'll use advanced analytics to define our risk appetite and credit strategy.
The Opportunity
Mission-driven fintech: TIME 100 company and Financial Times' Africa's fastest-growing company (2022-2025)
Data scale: Analyse 1.5 million daily payments across multiple African markets
Advanced analytics: Build predictive models, design A/B tests, run causal analyses with real impact
Meaningful outcomes: 70% of customers use M-KOPA products for income generation | 2.5 million first-time internet users connected
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The Role
Lead advanced credit analytics that inform risk appetite, pricing, and portfolio strategy. Translate data into actionable insights that strengthen credit decision-making and enable sustainable, profitable growth in a rapidly scaling environment.
What You'll Do:
- Lead portfolio-level credit analytics and diagnostics to assess performance, risk concentration, and loss drivers across M-KOPA's consumer finance portfolio, directly informing risk appetite and growth decisions
- Translate complex credit data into executive decision support, delivering clear, actionable insights on credit policy, terms, pricing, and new product or market proposals for senior leadership and country teams
- Design, oversee, and interpret experiments and causal analyses to test credit strategies, improve customer outcomes, and optimise portfolio performance in a fast-scaling fintech environment
- Partner cross-functionally with Product, Data Science, Finance, and Operations to embed analytics into credit decisioning, accelerate product launches, and continuously improve credit systems and processes
What You Need:
Digital Consumer Credit Expertise 6–10 years' experience in digital consumer credit or asset-backed fintech lending, with direct ownership of portfolio analytics, credit performance monitoring, and risk strategy in fast-scaling, data-rich environments (e.g. PAYGo, BNPL, mobile lending).
Advanced Analytics & Modeling Deep, hands-on expertise in advanced credit analytics and modeling, using SQL and Python or R to analyse large transactional datasets, build predictive loss and cash-flow models, support IFRS 9 provisioning, and run experiments or causal analyses to improve credit outcomes.
Strategic Influence Demonstrated ability to influence fintech growth decisions through analytics, including setting or challenging credit policies, terms, pricing, and risk appetite based on data-driven insights presented to executive leadership.
Why This Role?
This role offers the opportunity to shape how a high-growth, mission-driven fintech uses data to make smarter, fairer credit decisions at scale. You'll work at the intersection of advanced analytics, product innovation, and real-world impact—seeing your insights directly influence strategy, risk appetite, and customer outcomes across multiple African markets.
With significant ownership, executive exposure, and the chance to solve complex credit problems using rich datasets, this role is ideal for someone who enjoys intellectual challenge, meaningful autonomy, and building systems that responsibly unlock financial inclusion for millions.
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Your Technical Environment
Core Stack: SQL (essential), Python or R (essential), Power BI, Excel
What You'll Build:
- Predictive loss models and cash-flow projections
- IFRS 9 provisioning models
- A/B testing frameworks and causal inference analyses
- Portfolio performance dashboards and executive reports
Data Scale: Large transactional datasets with 1.5 million daily payments
The Team
The Credit Risk & Analytics team is a highly analytical, cross-functional group responsible for managing credit risk, portfolio performance, and data-driven decision-making across M-KOPA's consumer finance products. The team combines credit risk analytics managers who support rapid, responsible growth across multiple African markets.
It is an established but evolving team, scaling its capabilities as the business grows in complexity, data maturity, and geographic reach. Working closely with Product, Finance, and Operations, the team plays a central role in shaping credit strategy, policy, and performance at scale.
Benefits
- Professional development programs and coaching partnerships
- Family-friendly policies and flexible working arrangements
- Well-being support and career growth opportunities
- Hybrid working in Ghana with diverse teams across UK, Europe, and Africa
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