Credit Risk Analyst

Credit Risk Analyst

Nairobi, Kenya

Credable is shaping the future of banking in emerging markets through its Digital Banking Platform that enables our partners to launch financial services through digital channels their customers use and engage with daily. 

We achieve this by partnering with financial institutions and channel partners, such as mobile network operators (MNOs), eCommerce businesses, and other tech platforms, providing them seamless access to millions of customers. The Credable Digital Banking Platform empowers our partners across a spectrum of capabilities, ranging from API integration layers through to an end-to-end solution that leverages Credable’s, product, data science/analytics, and portfolio management capabilities. 

Our model has been successfully implemented across multiple markets and services, and we continue to expand our footprint across Sub-Saharan Africa, Asia, and beyond. What sets us apart is our ability to develop bespoke solutions, which include:

• A core technology stack and core-banking system – Facilitating embedded financial services by integrating seamlessly with channel partners.
• Data science and analytics capabilities – Supporting critical functions such as credit scoring, decision-making, and portfolio analytics and optimisation.
• A secure API gateway – Allowing financial institutions to safely and efficiently integrate with multiple service providers.
• An end-to-end portfolio management capability that is provided by Credable, ensuring banking products are sustainable, profitable and growing. 

The result is a win-win-win scenario, where our partners can:

• Easily, safely, and profitably grow their customer base.
• Increase user engagement.
• Generate new revenue streams digitally at scale.

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:

1. Work with data team to develop, implement, and maintain credit risk models and scoring systems tailored to diverse markets in East Africa and Asia.
2. Analyse borrower profiles, transaction patterns, and repayment behaviours to identify and assess potential credit risks.
3. 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.
4. Design and implement predictive models and machine learning algorithms to enhance credit risk management strategies.
5. Regularly review and refine risk assessment processes to adapt to market changes and business goals.
6. 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.
7. 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 modeling.
• 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 modeling is an advantage

Why Join Us?

At Credable, we are a fast-paced, high-performing team driven by a shared passion for building the future of banking and democratising access to finance across emerging markets. Our team operates across offices in Dubai, Nairobi, Dar es Salaam, Kampala, Maputo, and Porto, with frequent travel to strengthen connections with colleagues and partners.

We value the impact of working together in person, believing it often delivers results that remote work cannot fully achieve. While work-from-home (WFH) is available for specific requests or situations, our culture emphasises the advantages of being physically present and engaged as a team.

We are entering an exciting phase of hyper-growth, expanding into new markets, scaling operations, and evolving our structures to shape the future of Credable in 2025. We are looking for energetic, curious individuals who are passionate about our vision and eager to create value while driving innovation and growth in the markets we operate in.

Join us if you want to shape the future of banking!

We believe in equal opportunities, we welcome applications from diverse backgrounds. However experience working in FinTech, Banking/Finance, or Telcos is a big plus.