Data Scientist

San Francisco, California /
Business Intelligence /
Remote (SF Bay Area preferred, continental US required)
About Angaza
Angaza enables businesses to sell life-changing products, on credit, to low-income, unbanked consumers in emerging markets. Our technology uses an IoT network of connected devices, mobile payments, and machine learning to accelerate the adoption of solar energy systems, smartphones, and appliances. 

We are reinventing consumer credit by making it available to the 2 billion people across the globe who are unbanked or left out of formal credit/savings ecosystems. With Angaza, consumers have the flexibility to buy now and pay later, with full pricing transparency. And, merchants can increase their sales and revenue by over 8x by offering life-changing products on credit. 

Angaza’s inclusive finance platform is already used by businesses in 50+ countries across Sub-Saharan Africa, Latin America, and Asia to improve the daily lives of over 20 million people.

Role Summary
Angaza needs your expertise in deploying data science products and consumer credit risk models to advance our mission of alleviating poverty and empowering people excluded from traditional consumer finance to access life-changing products like clean energy. This is an opportunity to help us use data to increase financial inclusion for the unbanked population and unlock capital for distributors of these products in emerging markets. You will be an integral member of Angaza’s Business Intelligence team reporting to the Director of Analytics. Angaza is building out its data science products around a deep commitment to our core values, high-quality tools, proven development practices, and a philosophy of continuous professional development. We need you to help us make that vision a reality!


    • Productizing Data Science Tools: Collaborate in the development, deployment, and optimization of Angaza’s consumer credit scoring and portfolio management products.
    • Understanding Credit Risk: Conduct and communicate statistical analyses of consumer credit to drive optimal decision-making throughout Angaza’s leadership.
    • Thought Leadership: Contribute to Angaza’s collective understanding of how data science can solve practical problems and effectively communicate methodology and findings with internal and external stakeholders.

Competencies and Expertise:

    • Credit risk analysis: Experienced in evaluating consumer credit risk (emerging market consumer lending; small/medium business lending)
    • Engineering Skills: Experience developing and deploying data science products in a cloud environment. (Our Data and Engineering teams currently operate mostly in Python and SnowSQL)
    • Resourcefulness: Comfortable working to solve ambiguous problems in new subject areas with a flexible approach
    • Data Analysis: Well-versed in advanced statistical methods (regression, classification, kernel methods, cluster analysis, random forest and boosting techniques, exposure to recommendation systems and graph algorithms, etc.), with demonstrated professional experience leading the design and deployment of statistical models
    • Cross-functional collaboration: Able to work effectively with others from a range of functions and backgrounds (e.g., customer credit, engineering, and product teams)


    • Thrive in a cooperative, dynamic environment
    • Are passionate about presenting data that communicates complex information in a straightforward way
    • Have strong quantitative, problem-solving, and project management skills
    • Demonstrate excellent written and verbal communication skills
    • Pride yourself on attention to detail
    • Exemplify Angaza’s key values: maximizing impact, empathetic, courageous, trustworthy, curious, and collaborative
Recommended Experience
The strongest candidates will have approximately ten years overall advanced educational and work experience and at least three years experience in one or more of the following categories:
- Demonstrated experience in leading design and deployment of data science models / tools
- Assessing credit risk (consumer and/or small/medium business, direct experience in emerging markets preferred) using statistical methods
- Supporting executive decision-making through descriptive and statistical analysis at an early-stage organization

Other Details
Angaza is a for-profit company based in San Francisco and Nairobi.
Employees receive salary, an equity stake in Angaza, and benefits that include:
- Competitive health benefits including medical, dental, vision, life, disability, HSA, & FSA
- 401(k) with company match
- Fully paid parental leave
- Flexible scheduling and time off policies
- Knowledge that you’re making a positive impact on the world every day you come to work!

Our Commitment to DEI
At Angaza, we evaluate all candidates on the basis of their ability to meet stated job requirements. We do not discriminate against candidates on the basis of sex, gender, marital status, religion, nationality, or other personal characteristics. In keeping with our commitment to supporting a safe and inclusive workplace, we strongly encourage candidates from traditionally underrepresented backgrounds to apply.