Senior Analyst (Credit Risk & Eligibility)

Role overview

Join M-KOPA as a Senior Analyst (Credit Risk & Eligibility) in the Credit Eligibility team. You will shape credit risk and loan eligibility decisions for millions of customers across Africa, influencing who gets a loan, the terms offered, and how risk is managed at scale.

Key missions

• Analyze repayments and other data sources to continuously improve credit scorecards and eligibility criteria, while managing credit risk.
• Refine loan pricing based on credit analytics and customer behavior.
• Test new loan types to understand customer demand and evaluate credit performance.
• Collaborate with data scientists to leverage machine learning models for loan eligibility decisions.

Responsibilities

• Own and drive analytical work that impacts lending decisions and customer outcomes.
• Work cross-functionally with engineers, data scientists, growth managers, and commercial stakeholders to turn insights into decisions.
• Communicate results effectively (written, oral, and visual) and translate complex analysis into actionable business strategy.

Requirements

• Fluency in Python and SQL, plus other analytical tooling.
• Strong statistical modeling and quantitative analysis skills on large, complex datasets.
• Experience with credit / underwriting / lending analytics (including eligibility and risk).
• Strong ability to work cross-functionally with product, engineering, and commercial teams.
• Proven experience translating data insights into business strategy.
• Strong data communication skills (written, oral, visual).

Nice to have

• Experience conducting analysis involving unstructured data.
• Experience using machine learning models in credit eligibility or risk contexts.