Staff Data Scientist

LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. At LemFi, we're building the go-to financial app for the Global South. Moving to a new country shouldn't mean starting from zero, that's why our team of 400+ people spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they're from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries. The team you'll be joining and the impact you'll have You'll sit at the heart of LemFi's Credit function as the senior-most individual contributor for data science in the domain partnering across Credit Risk, Product, Engineering, Analytics, and Commercial teams to shape how we underwrite, monitor, and scale lending. Your work will directly influence the quality of lending decisions, portfolio performance, and customer outcomes from improving approval logic and risk segmentation to identifying where the product can responsibly grow. You'll help define the scientific and technical standard for credit decisioning at LemFi bringing rigour to experimentation, model development, monitoring, and the translation of insight into production systems. This is a high-leverage role with real business consequence: your recommendations will inform decisions made by senior leadership on risk appetite, market expansion, and the long-term trajectory of LemFi's credit products. What you'll be doing from day one Owning the end-to-end data science strategy for Credit identifying the highest-value opportunities across underwriting, pricing, line assignment, fraud/risk interaction, collections optimisation, and lifecycle decisioning. Designing, training, validating, and iterating on predictive models that improve credit outcomes, using a strong mix of statistical thinking, machine learning, and practical judgement in a regulated environment. Working closely with Data Engineering and software engineers to productionise models cleanly ensuring features, decision logic, and monitoring are reliable, version-controlled, and scalable. Partnering with Product Managers and Credit leaders to translate