Recruitment 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 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
• 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

Application Closing Date
30th September, 2025.

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

Job Title: Senior Data Scientist

Location: Remote

Job Description

• As a Senior Data Scientist at Migo, you will play a key role in optimising our machine learning-driven decision systems, from monitoring and retraining existing models to developing new ones that power automated lending decisions.
• You will analyse performance data to refine features, select optimal models for different customer segments, and integrate new data sources into our modelling frameworks.
• Your work will combine statistical rigour with practical problem-solving, leveraging causal inference concepts, A/B testing, and robust ETL pipelines to improve model accuracy and stability.
• Working closely with engineering and product teams, you will ensure our decision-making systems remain adaptable, data-driven, and effective as we scale into new markets and serve a growing customer base.

Responsibilities

• Analyze business data to assess performance and identify areas for improvement
• Monitor, retrain, and iteratively improve machine learning models
• Add and remove features based on performance analysis
• Select optimal models for different customer segments using established metrics
• Integrate new data sources into existing modeling frameworks
• Analyze new data to develop rule-based and heuristic approaches
• Monitor and develop ETL and feature engineering pipelines
• Develop new ML models for automated decision-making

Requirements

• An MSc in Machine Learning, Data Science, Economics, or (Applied) Statistics, or equivalent experience
• Experience with ML lifecycle and statistical modeling
• Knowledge of ML concepts such as model drift and data leakage
• Experience developing new machine learning models
• Familiarity with the basics of causal inference
• Experience with Python and object-oriented programming
• Experience in data pipelines and ETL processes
• Experience with A/B testing
• Full proficiency in SQL.

Application Closing Date
31st August, 2025.

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

Job Title: User Support Representative

Location: Remote

Job Description

• As a User Experience Representative at Migo, you will report directly to the User Experience Supervisor.
• You will be responsible for receiving incoming calls from customers and answering questions, receiving complaints and troubleshooting to find a resolution.
• You will be responsible for ensuring that thosewho call the helpline are properly supported with accurate information and timely first contact resolution.

Key Responsibilities

• Respond to inbound calls, providing timely support and detailed information to customers
• Document interactions accurately in our CRM (Zoho)
• Identify and report product anomalies and recurring issues to supervisors
• Ensure excellent customer experience across channels, adhering to quality assurance standards
• Resolve issues promptly, escalating complex matters to relevant teams
• Provide regular customer updates until issues are resolved
• Collaborate with the inbound team to minimise abandoned calls
• Perform additional tasks as assigned by the User Support Supervisor

​Requirements

• 0-1 year work experience
• Excellent typing skills (speed and accuracy)
• Strong written and oral communication skills with proper grammar
• Effective listening and analytical skills
• Good time management and multitasking abilities
• Ability to collaborate with others and maintain positive relationships

Work Structure and Ideal Candidate Profile:

• Flexible about working hours: 8 hours/day (with 1-hour break), anytime between 8am-8pm, depending on shift schedule
• Available to work 5 days/week, including potential weekends and public holidays
• Willing to adapt to night shifts, if required in future
• Possesses 1-6 months of customer service experience in a structured call center environment
• Recent NYSC graduates are encouraged to apply.

Application Closing Date
31st August, 2025.

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