Credit Risk Analyst

Credit Risk Analyst

Nairobi, Kenya

Credable is transforming financial services in emerging markets with its best-in-class Digital Banking Platform. We help partners launch financial products by embedding them into digital channels their customers already use.

The result is a win-win-win for partners, customers, and Credable. Having deployed across multiple markets in Africa, we’ve proven our platform meets a critical need and is driving us toward our core objectives:

• Democratizing financial services by reaching over 500 million people.
• Becoming the most trusted source of data in emerging markets.

The Role:

We have a dynamic Data Science team dedicated to pushing the boundaries of credit scoring, customer segmentation, and AI driven innovation. Leveraging access to diverse and extensive data sources far beyond what is typical for banks or MNOs, we develop and deliver robust solutions that enhance the value of every Credable transaction for our partners.

Our 2025 roadmap and OKRs are ambitious and focused around tripling our live portfolio, while also diversifying our products in terms of markets, partners, and outcomes. We are seeking a skilled Credit Risk Analyst to join our team. In this role, you will be instrumental in developing, monitoring, and refining credit risk models and strategies. Your work will play a critical role in evaluating and mitigating credit risks, ensuring the sustainable growth and success of our lending products across diverse markets.

Key Responsibilities:

• Work with data team to develop, implement, and maintain credit risk models and scoring systems tailored to diverse markets in East Africa and Asia.
• Analyse borrower profiles, transaction patterns, and repayment behaviours to identify and assess potential credit risks.
• Collaborate with data teams to extract and interpret key credit risk insights from large datasets. Use SQL and Python to gather, analyse, and process data to inform credit risk decisions, presenting findings to the team and other stakeholders.
• Design and implement predictive models and machine learning algorithms to enhance credit risk management strategies.
• Regularly review and refine risk assessment processes to adapt to market changes and business goals.
• Monitor portfolio performance, identify trends, and provide actionable recommendations to mitigate risks and enhance profitability. Develop regular credit risk reports for senior management, highlighting key metrics, trends, and risk exposures.
• Track OKRs (Objectives and Key Results) in line with the team and business objectives to become the most trusted source of data for emerging markets.

Person Specification:

• Bachelor’s degree in Finance, Economics, Data Science, Statistics, or a related field.
• Minimum 3 years of experience in credit risk analysis, preferably in a fintech or financial services environment.
• Experience working with lending products within banking environment/ ecosystem
• Proficiency in SQL and Python for data extraction, analysis, and modelling.
• Experience with BI tools for developing dashboards and visualisations.
• Strong analytical and problem-solving skills.
• Excellent communication and presentation abilities.
• Ability to work in a fast-paced, cross-functional, and dynamic environment.
• Advanced degrees or certifications (e.g., CFA, FRM) are a plus.
• Knowledge of machine learning techniques and predictive modelling is an advantage

We believe in equal opportunities, we welcome applications from diverse backgrounds.