Senior Analyst - Credit Risk & Eligibility

M-Kopa

14h•Remote

About The Position

Join our Credit Eligibility team at M-KOPA. We're growing our Credit Eligibility team and looking for a Senior Analyst to help shape M-KOPA's credit risk and eligibility decisions for millions of people across Africa. Your analysis will directly influence who gets a loan, on what terms, and how we manage risk at scale - work that sits at the intersection of financial inclusion and rigorous data science. The Impact: Your analysis will determine who gets access to credit - and for most of our customers, that access is transformational. We've already unlocked more than $2 billion in credit to over 7 million customers across five African markets. 55% of our customers are accessing a financial product for the first time through M-KOPA. 86% report an improvement in their quality of life. Every model you refine, every eligibility criterion you improve, contributes to that. It's your chance to be part of something that's literally transforming lives across an entire continent. The Opportunity: Mission-driven analytics: Your daily work - building underwriting frameworks, refining loan pricing, monitoring credit performance - directly determines who gets access to affordable credit across Kenya, Uganda, Nigeria, Ghana, and South Africa. Global recognition: Join a company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for four consecutive years (2022–2025). Scale challenges: We process over 2 million payments daily and add 200,000 new customers every month. You'll be working with repayment data at a scale very few analysts ever encounter. Environmental impact: We're carbon-negative, having avoided over 2.1 million tonnes of CO₂ emissions - and growing sustainably is core to how we operate.

Requirements

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

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