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, innovative, self-starters to join us on our journey.

We are recruiting to fill the position below:

Job Title: Senior Data Scientist

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

Description
We are the place for you, if:

• You are uncompromising in searching for the best way to get things done.
• You can balance a healthy respect for rules with creative, high-impact ways to out-perform the status-quo.
• You have deep experience in connecting strong teamwork abilities with outstanding individual execution.
• You are driven by creating meaningful impact for our users, and in the process delivering outstanding business results.

The Position

• 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 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.

Responsibilities
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.

Requirements
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.

What’s in it for you
You’ll receive competitive compensation and benefits and the opportunity to build, lead and learn within a flat, performance-focused culture.

Application Closing Date
Not Specified.