Who are we?

Launched in November 2020 in Côte d'Ivoire, then in December 2023 in Senegal, Djamo is a revolutionary financial super-app offering a full range of services: online and offline payments, peer-to-peer transactions, money transfers, savings, and budgeting tools.

To date, we have enabled thousands of users to manage their financial operations with ease, and our growth continues to accelerate. Our ambition is to build the next generation of digital financial solutions in French-speaking Africa, a region where less than 25% of the population still has access to traditional banking services.

The financial landscape there is undergoing a profound transformation: millions of people are moving from basic financial services (mobile money) to more advanced management tools. Djamo is ideally positioned to become the reference platform to support this evolution.

We are proud to be backed by world-renowned investors such as Y Combinator, Partech, Kima, and Norskeen — a guarantee of confidence in our vision, our potential, and our commitment to redefine the future of financial services in Africa.

As part of Djamo’s regional expansion, we are hiring a Fraud & Credit Risk – Tech Lead to drive our data science strategy at the core of our credit and fraud operations.

Your Role

Reporting to the Head of Lending (Nicolas Berthozat), you will own the vision, design, and execution of Djamo’s data science strategy for credit risk and fraud, while leading and scaling the credit-focused data science team.

You will operate at the crossroads of technology, product, credit, and business, with a direct impact on portfolio performance, customer experience, and the robustness of Djamo’s risk framework.

Your main responsibilities

Data science → Design, evaluate, deploy, and monitor the performance of credit scoring, fraud detection, pricing, and operational collection optimisation models.

Business & product → Use your business expertise to suggest practical improvements for operations and credit products. Translate business challenges into concrete and actionable data issues.

Steering & roadmap → Co-develop the Risk & Data Science roadmap with the product, tech, and credit teams. Steer execution and prioritize strategic projects.

Communication & governance → Make models understandable, explainable, and measurable. Establish clear indicators, dashboards, and structured communication with stakeholders. Contribute to regulatory and risk governance issues.

Leadership & team → Supervise and grow the credit data science team (currently one person). Establish solid technical standards, sustainable methods, and a culture of excellence.

Your Profile

• Relevant experience (5 years and above) within a "tier-1 ++" company, in the design and deployment of credit risk and/or fraud models in a real environment.
• Driven by ethical values and reflections on the world and our activity (this is essential for subjects like credit).
• Demanding, autonomous, and curious, enthusiastic, and joyful daily :).
• Ability to work in English and French.

Why work at Djamo?

At Djamo, we believe in a healthy balance between autonomy and collaboration, insight and intuition, work and personal life.

• Small, open, and friendly teams: Work within close-knit and supportive groups dedicated to creating products and services that our users truly appreciate.
• An ethical and stimulating environment: Join a work setting based on integrity, innovation, and concrete problem-solving.
• Accelerated growth: Contribute to the rapid expansion of one of the most dynamic fintechs in French-speaking Africa.
• Real impact: Help improve the daily lives of millions of people by offering simple, fair, and accessible financial services.
• A culture that invests in talent: Evolve in a collaborative and pleasant environment, with a strong team spirit, continuous learning, and real professional development opportunities.

Diversity, Inclusion, and Equal Opportunities

We review all applications with fairness and respect. Djamo is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all.

You don't check all the boxes, or you think you have unique skills we haven't thought of yet? Apply anyway. We are always looking for exceptional talent at all levels.

Type of Contract

CDI (Permanent contract) or CONTRACTOR via DEEL

Work Locations

Abidjan, Côte d’Ivoire - Dakar, Sénégal - Remote Location GMT+/-3