Senior Analyst – Credit Eligibility
Join our Credit Eligibility team at M-KOPA to shape credit risk and eligibility decisions for millions of people across Africa. The role directly influences who gains a loan, on what terms, and how we manage risk at scale, blending financial inclusion with data science.
What You'll Do
- Analyse repayment data and other data sources to continuously improve credit scorecards and eligibility criteria while managing credit risk.
- Refine loan pricing based on credit analysis and customer behaviour.
- Test new loan types to understand customer demand and credit performance.
- Monitor credit performance to detect risk shifts and quantify margin impact.
- Test the predictiveness of new data sets for eligibility criteria purposes.
- Use Python, SQL, and other tools to drive data insights.
- Work with data scientists to leverage machine learning models as part of loan eligibility decisions.
Technical Environment
- Languages & tools: Python, SQL, and other analytical tooling.
- Data: Repayments data, customer behaviour data, third‑party data sets.
- Modelling: Risk modelling and statistical analysis across large, complex data sets.
- Collaboration: Cross‑functional work with engineers, data scientists, analysts, growth managers, and commercial stakeholders.
- Context: Credit, underwriting, and lending analytics in emerging markets.
Team Approach
- Low‑ego, high‑impact collaborative environment driven by diversity, innovation, and rigour.
- Data‑driven decision‑making with ownership of lending strategy analysis.
- High degree of ownership over your domain and its responsibilities.
- Ambiguous problems are welcomed and solved by proactive thinkers.
- Fast‑expanding, newly established team positioned to grow credit and underwriting capabilities.
Required Experience
- Strong statistical modelling and quantitative analysis skills, including analysis of unstructured data.
- Experience in credit, underwriting, or lending analytics.
- Fluency in Python, SQL, and other relevant analytical tools.
- Ability to translate complex data insights into actionable business strategies.
- Experience working cross‑functionally with product, engineering, and commercial teams.
- Strong data communication skills—written, oral, and visual.
- Strong interpersonal and collaboration skills.
Location & Benefits
- Fully remote role within UTC –1 to UTC +3 time zones.
- Work with diverse teams across the UK, Europe, and Africa.
- Professional development programmes and coaching partnerships.
- Family‑friendly policies and flexible working arrangements.
- Well‑being support and career growth opportunities.
Equal Opportunity Employer
M-KOPA is an equal‑opportunity and affirmative‑action employer. Women, minorities, and people with disabilities are strongly encouraged to apply. M-KOPA does not charge any fees for the application or recruitment process.
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