We're a small team of high performers who have built the leading African Mobile First Consumer Lending Business. In the most promising but also challenging market in Sub Saharan Africa, we are ranked #1 for Finance apps (and #41 overall) in Google Play in Nigeria. We are a fast growing business (5%/month) and are well funded. Our talented team is spread between Lagos, Cape Town and San Francisco. As we expand our platform to new markets (Ivory Coast, Ghana, Senegal, Egypt), we are planning to establish our senior leadership in London. We are looking for an inquisitive, creative and driven Head of Data Science to join our senior team.

You'll be working directly with our co-founders, the CPO and the VP of Engineering to build our global automated lending platform and to derive insights for the rich transaction dataset we will be generating from non-lending products. Deep experience in ML/AI. Python or R super fluent. No boring Management Information tasks Perks include: Regular travel to the fastest growing and promising region for Fintech, hardware of your choice, regular team events. Beautiful collaborative workplace within vibrant tech/fintech community.


  • Turn the wealth of data Paylater/OneFi has gathered over the years into a clear edge over newer entrants
  • Find ways to monetise data through partnerships or other products launches
  • Partner with the Head Of Risk to develop the core AI/ML models for credit approvals and fraud prevention
  • Recruit and develop junior data scientist in Lagos


  • Managing a team of 1 remote junior data scientist who will build, document and monitor most basic models
  • risk analyst to start with (responsible for portfolio monitoring and potentially for the implementation of the risk strategy with IT)
  • Setting the bad debt assumptions for the annual budget with the finance team;
  • Setting operational performance expected out of the collections team/processes