M-KOPA - Senior Analyst - Credit Risk & Eligibility
Upload My Resume
Drop here or click to browse · Tap to choose · PDF, DOCX, DOC, RTF, TXT
Requirements
• We're looking for someone with experience in roles with significant analytical components who is ready to take real ownership of credit and eligibility decisions at scale. • Strong statistical modelling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data • Experience in credit, underwriting, or lending analytics • Fluency in Python, SQL, and other relevant analytical tools • Experience translating complex data insights into actionable business strategies • Ability to work cross-functionally with product, engineering, and commercial teams • Strong data communication skills - written, oral, and visual • Strong interpersonal and collaboration skills
Responsibilities
• At M-KOPA, you'll own the analytical work that drives our lending strategy. Our Credit Eligibility team operates with a high degree of autonomy — you'll work cross-functionally with engineers, data scientists, growth managers, and commercial stakeholders across multiple countries, bringing analytical rigour to decisions that shape both credit performance and customer outcomes. • Analyse M-KOPA's repayments 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 • Your Technical Environment 💻 • Languages & tools: Python, SQL, and other analytical tooling • Languages & tools: • Data: Repayments data, customer behaviour data, third-party data sets • Data: • Modelling: Risk modelling and statistical analysis across large, complex data sets • Modelling: • Risk modelling and statistical analysis • Collaboration: Cross-functional work with engineers, data scientists, analysts, growth managers, and commercial stakeholders • Collaboration: • Context: Credit, underwriting, and lending analytics in emerging markets • Context: • Our Team Approach • Our Team Approach • Low-ego, high-impact: We foster a collaborative environment where diversity, innovation, and rigour drive both commercial growth and social impact • Low-ego, high-impact: • Data-driven decision-making: You'll be empowered to make the case for prioritisation and own the analysis that shapes lending strategy • Data-driven decision-making: • Ownership: You'll have a high degree of ownership over your domain - and the responsibility that comes with it • Ownership: • Ambiguous problems welcome: We look for people who thrive when the problem isn't fully defined yet • Ambiguous problems welcome: • Newly established, fast-expanding: You'll be joining at a formative moment for our credit and underwriting capabilities • Newly established, fast-expanding:
Benefits
• Fully remote role within UTC -1 to UTC +3 time zones • UTC -1 to UTC +3 • Work with diverse teams across UK, Europe, and Africa • Professional development programmes and coaching partnerships • Family-friendly policies and flexible working arrangements • Well-being support and career growth opportunities • Our Mission 🌍 • We make financing for everyday essentials accessible to everyone. We strive to drive greater inclusion of women, youth, and low-income communities. • Our Impact 💚 • Our technology has created measurable change: • Connected 📱: 2.5 million first-time smartphone users connected • Connected • Prosperous 💰: 70% of customers use M-KOPA products for income generation, with 35,000 livelihoods created for agents • Prosperous • Green 🌱: 2.1 million tonnes of CO₂ avoided through clean energy products, with over 127,700 circular economy products provided • Green • Ready to build credit systems that create real-world financial inclusion while advancing your career in data and analytics? • At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility. • m-kopa.com • Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024 and 2025) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 6 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa. • Important NoticeM-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply. • Important Notice • M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships. • M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process. • If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.
Similar Jobs
No credit card. Takes 10 seconds.