Principal Data Scientist (Remote) at Migo Money Incorporated

Migo is a cloud-based platform that enables companies to offer credit to their consumer and small business customers. Leveraging proprietary datasets, Migo builds ML algorithms to assess credit risk, and then offers credit lines to the companies’ customers. This credit line can be used to make purchases from a merchant or to withdraw cash without the need for point-of-sale hardware or plastic cards. Because of our proprietary data and innovative technical solutions, Migo is able to extend credit to underbanked customers who are not typically covered by credit bureaus.

We are recruiting to fill the position below:

Job Title: Principal Data Scientist

Location: Nigeria (Remote)
Job type: Full-time

About the Role

• As the Principal Data Scientist at Migo, you will take full ownership of our credit risk modelling strategy, from the design and development of credit scoring, underwriting, and forecasting models to the end-to-end management of ML pipelines.
• You will research and implement cutting-edge modelling techniques, ensuring robust feature engineering, rigorous performance evaluation, and scalable deployment into production.
• Your work will directly drive lending decisions, financial performance forecasting, and market expansion strategies.
• Collaborating with cross-functional teams, you will generalise solutions for new markets, apply causal inference and statistical best practices, and maintain high standards in data integrity and model governance, helping Migo deliver responsible and data-driven financial products across Nigeria and beyond.

Responsibilities

• Full ownership of ML models and credit risk modeling methodology
  • Credit scoring models (probability of default, survival analysis models)
  • Underwriting models (credit line assignment and risk assessment models)
  • Forecasting models (projected financial contribution and performance metrics)
• Ownership of ML pipelines and workflows (ETL, data preprocessing, feature engineering, model training, model deployment)

Requirements
You are a good fit if you have:

• A PhD in Computer Science, Statistics, Economics, Physics, or equivalent experience
• Experience developing new modeling approaches, incorporating and adapting the latest methods in the field
• Experience developing ETL and feature engineering data pipeline
• Deep understanding of ML and statistical concepts such as regularization, prediction vs. inference, multiple testing, cross-validation, boosting/bagging
• Experience with a variety of ML methods, especially those for tabular data and in the lending/finance space
• Experience with Python and object-oriented programming, developing and deploying production models, and contributing to shared, reusable libraries
• Experience with A/B testing
• Full proficiency in SQL
• Deep understanding of inductive biases of methods in ML and statistics
• Deep understanding of metrics and appropriate model performance measurement
• Ability to generalize product applications to new markets and partnerships
• Strong understanding of and experience with causal inference concepts such as positivity assumption, confounding, and exchangeability

How to Apply
Interested and qualified candidates should:
Click here to apply

Application Deadline  30th September, 2025.