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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