Credit Scoring & Data Scientist

Location: Accra, Ghana
Employment Type: Full-Time

Company Profile

Adehyeman Savings and Loans Limited is a reputable financial institution committed to providing innovative financial solutions that empower individuals, businesses, and communities to achieve sustainable growth. Through a strong focus on customer service, operational excellence, and technology-driven innovation, the company continues to strengthen financial inclusion and support economic development across Ghana.

As part of our commitment to data-driven decision-making and responsible lending, we are seeking an experienced and highly analytical Credit Scoring & Data Scientist to lead the development of advanced credit risk models, data analytics initiatives, and predictive solutions that support business growth and risk management.

Position Summary

The Credit Scoring & Data Scientist will lead the design, development, validation, and enhancement of credit scoring models and analytical frameworks that support lending decisions and portfolio management. The successful candidate will leverage data science techniques, statistical modeling, and predictive analytics to improve credit risk assessment, optimize portfolio performance, and drive business insights.

The role requires strong leadership capabilities, technical expertise, and the ability to translate complex data into actionable recommendations for business stakeholders.

Key Responsibilities

Credit Risk Modelling & Scoring

• Design, develop, validate, and maintain credit scoring models for retail, SME, and other lending portfolios.
• Develop predictive models that support credit risk assessment, underwriting, and portfolio management.
• Monitor model performance and recommend enhancements to improve predictive accuracy and business outcomes.
• Conduct model validation exercises and ensure compliance with regulatory and internal risk management standards.
• Implement data-driven strategies that strengthen credit decision-making processes.

Data Analytics & Business Intelligence

• Analyze large and complex datasets to identify trends, patterns, and business opportunities.
• Generate actionable insights that support strategic and operational decision-making.
• Develop dashboards, reports, and performance monitoring tools for management and key stakeholders.
• Collaborate with business units to identify analytical requirements and deliver data-driven solutions.

Portfolio Performance & Risk Monitoring

• Monitor credit portfolio performance and identify emerging risks.
• Conduct stress testing, scenario analysis, and portfolio segmentation exercises.
• Evaluate borrower behavior and recommend strategies to improve portfolio quality.
• Support the development of risk indicators and early warning systems.

Data Management & Governance

• Ensure data integrity, accuracy, consistency, and quality across analytical processes.
• Establish data management standards and best practices.
• Support the implementation of data governance frameworks and controls.
• Work closely with technology teams to optimize data infrastructure and analytical capabilities.

Leadership & Stakeholder Engagement

• Provide technical leadership and guidance on data science and credit risk modelling initiatives.
• Mentor and support team members in the application of data analytics and modelling techniques.
• Collaborate with Risk, Credit, Finance, Operations, and Technology teams to achieve business objectives.
• Present analytical findings and recommendations to senior management and relevant committees.

Innovation & Continuous Improvement

• Research emerging technologies, methodologies, and industry trends in data science and credit risk modelling.
• Identify opportunities to automate processes and improve operational efficiency.
• Drive innovation through advanced analytics, machine learning, and predictive modelling techniques.
• Promote a data-driven culture across the organization.

Other Duties

• Perform additional responsibilities assigned by management.
• Contribute actively to strategic projects and organizational priorities.

Qualifications

Education

• Bachelor’s Degree in Computer Science, Data Science, Mathematics, Statistics, or a related quantitative discipline.
• A Master’s Degree in Data Science, Statistics, Artificial Intelligence, Analytics, Finance, or a related field will be an added advantage.

Experience

• Minimum of five (5) years of experience in data science, analytics, and credit risk modelling roles.
• At least two (2) years of experience in a leadership or supervisory capacity.
• Proven experience developing and implementing credit scoring models and predictive analytics solutions.
• Experience within the banking, microfinance, savings and loans, or financial services sector will be highly desirable.

Technical Skills & Competencies

Technical Skills

• Strong knowledge of credit risk modelling, scorecard development, and predictive analytics.
• Proficiency in statistical analysis and machine learning techniques.
• Experience working with large datasets and data visualization tools.
• Strong knowledge of SQL and data management practices.
• Proficiency in programming languages such as Python, R, SAS, or similar analytical tools.
• Experience with business intelligence and reporting platforms.
• Understanding of banking regulations, credit risk frameworks, and lending processes.

How to Apply

Apply online by clicking on the application button.