Oxygen X Finance Company Limited Plc is a credit company backed by one of Africa’s largest Banking Groups, with a goal to build Africa’s largest consumer and SME lender. We aim to build the most accessible, convenient, digital credit solutions on the continent. We take our mission and our user’s challenges extremely seriously and are seeking brilliant,...
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We are looking for a Senior Data Scientist to build and scale advanced analytics solutions for our digital lending operations. You will work closely with a deeply experienced Data Science Manager while also bringing your own expertise, leadership, and fresh ideas to the table. We need a hands-on builder who thrives in a fast-paced environment, has a track record of meaningful project delivery, and is excited about innovation in credit risk modeling, machine learning, and AI.
In this role, you will
Design, develop, and deploy credit risk, PD/LGD, scoring, and collection prioritization models using machine learning and AI techniques.
Lead end-to-end modeling — data prep, feature engineering, model development, deployment, and monitoring.
Collaborate closely with risk, business, and product teams to translate complex problems into actionable data science solutions.
Explore and apply AI innovations (e.g., NLP, alternative data, behavioral analytics) to optimize lending decisions.
Build and maintain model governance, explainability, and MLOps standards.
Mentor and support junior data scientists, helping to build a culture of continuous learning and curiosity.
Communicate insights effectively to non-technical audiences through compelling storytelling and visualization.
We are looking for people with
6–8+ years of hands-on data science experience, with a strong focus on credit risk modeling, fintech, or financial services.
Advanced skills in Python, SQL, and machine learning frameworks (e.g., Scikit-learn, XGBoost, TensorFlow).
Proven success in deploying and monitoring models in production environments.
Deep understanding of credit risk metrics, lending strategies, and financial modeling.
Experience with AWS, Databricks, and handling large-scale datasets.
Familiarity or strong interest in AI applications, NLP, and advanced analytics.
Strong communicator who can simplify the complex and work across technical and business teams.
Innovative thinker — you love improving, questioning, and finding better ways to do things.
Startup or high-growth fintech experience is a big plus.
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