Senior Data Scientist (Credit)

Location: Remote, Spain

Company

hirify.global is an African financial platform providing payments, banking, credit, cross-border, and business management tools to businesses and individuals.

What you will do

• Develop and deploy credit scoring, affordability, and behavioural models for underwriting, pricing, and collections.
• Design experiments to optimise approval rates, loss rates, and profitability.
• Partner with product squads to embed decision logic into real-time systems.
• Ensure data quality, regulatory compliance, and ethical use of models.
• Mentor product squads on experimentation and data-driven decision-making.
• Build models to optimise collections, churn management, and user retention.

Requirements

• Degree or equivalent qualification in Statistics, Mathematics, Engineering, or a related quantitative field.
• 5+ years of experience in data science, decision science, or risk analytics within financial services.
• Working knowledge of credit risk, consumer lending, and regulatory considerations.
• Proficiency in SQL and at least one modelling or programming language, such as Python or R.
• Experience with A/B testing, machine learning, collections modelling, and churn management.
• Ability to translate complex analyses into clear recommendations for business stakeholders and work effectively in cross-functional teams.

Culture & Benefits

• People-first culture focused on well-being, inclusion, mutual respect, and open participation.
• Learning and development environment with knowledge sharing, training, and internal technical talks.
• Salary, pension, health insurance, monthly bonuses, and additional benefits.

Hiring process

• Preliminary phone call with a recruiter.
• HackerRank coding exercise covering data science theory, mathematics, statistics, linear algebra, and Python fundamentals.
• Take-home assignment followed by technical and behavioural interviews.