E-Doc is a fintech AI company utilising technology-driven compliance focused on simplifying regulatory processes and expanding access to finance across emerging markets. Our platform is built on an Open Banking framework, to supports use cases such as automated bank statement retrieval, creditworthiness analysis, regulatory reporting, and digital application workflows.

We are recruiting to fill the position below:

Job Title: Data Scientist

Location: Ikeja, Lagos
Employment Type: Full-time

Role Overview

• We are looking for a Data Scientist to design, build, and deploydata models and analytics solutionsthat power credit scoring, transaction analysis, and financial insights across our platform.
• You will work closely with engineering, product, and banking partners to turn complex data into actionable intelligence.

Key Responsibilities
Data Modeling & Analytics:

• Develop and deploycredit scoring modelsusing transactional and alternative data
• Buildpredictive modelsfor risk, fraud detection, and financial behavior
• Designfinancial resilience and inclusion scoring frameworks

Data Pipeline & Processing:
Work with engineers to build and optimizeETL pipelines for:

• Bank statement data
• Open banking APIs
• Alternative datasets (e.g., telco, geospatial, behavioral)
• Ensure data quality, consistency, and scalability.

Transaction Intelligence:

• Develop models for:
  • Transaction classification
  • Cash flow analysis
  • Income estimation
• Generate insights for dashboards and credit decisioning

Advanced Analytics:
Apply machine learning techniques for:

• Predictive exclusion modelling
• Customer segmentation
• Anomaly detection
• Incorporateclimate and geospatial datainto risk models where relevant

Experimentation & Validation:

• Design and run experiments to improve model performance

Validate models using real-world data and business outcomes

• Monitor model drift and performance over time.

Collaboration:

• Work cross-functionally with:
  • Product teams (feature design)
  • Engineering (deployment & APIs)
  • Business teams (insights & reporting)
• Support integrations with banks and regulators.

Required Skills & Experience

• 3–6+ years experience indata science or applied machine learning strong proficiency in:
• Python (Pandas, NumPy, Scikit-learn)
• SQL.

Experience with:

• Financial data (bank transactions, lending, payments)
• Time-series analysis and classification models.

Familiarity with:

• ETL pipelines and data engineering concepts
• API-based data ingestion
• Solid understanding of:
• Statistics and machine learning techniques.

Must Have:

• Experience withopen banking or fintech platforms
• Knowledge ofcredit risk modelling.

Experience with tools like:

• Power BI / Tableau
• Spark / big data tools
• Understanding ofdata privacy frameworks (NDPR, GDPR).

What Success Looks Like

• High-performingcredit and risk modelsin production
• Accuratetransaction classification and insights
• Scalable data pipelines supporting multiple partners
• Measurable improvement inloan approval rates and risk management

Why Join E-doc

• Work oncutting-edge fintech infrastructurein emerging markets
• Direct impact onfinancial inclusion at scale
• Opportunity to shapenational-level data and credit systems
• Fast-paced, high-impact environment with strong growth potential

Application Closing Date
30th April, 2026.

Method of Application
Interested and qualified candidates should send their CV to: Hr@e-doconline.co.uk using the Job Title as the subject of the email.