Associate Credit Analyst

About The Role

Key Responsibilities

• Analyze consumer credit data to support underwriting and portfolio monitoring
• Develop and maintain SQL queries for recurring and ad hoc analysis
• Produce regular reports and dashboards on portfolio performance (e.g., delinquency, roll rates, loss metrics)
• Conduct exploratory data analysis to identify trends, anomalies, and emerging risk indicators
• Monitor performance of existing credit policies, rules, and scorecards, and flag issues or opportunities
• Collaborate with Risk, Product, Finance, and IT teams to support data and reporting needs
• Ensure data accuracy, integrity, and compliance with internal standards and regulatory requirements

Qualifications And Experience

• Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
• 2–4 years of experience in credit risk, analytics, or a similar role
• Solid understanding of credit risk principles (credit scoring, underwriting, delinquency and loss metrics)
• Proficiency in SQL (joins, aggregations, and query structuring)
• Experience working with structured datasets and performing data analysis
• Strong analytical thinking and attention to detail
• Professional proficiency in English

Preferred Qualifications

• Experience in financial services, fintech, or lending environments
• Familiarity with data visualization tools (e.g., Tableau, Power BI)
• Working knowledge of Python, R, or advanced Excel

French Language Skills (beneficial)

• The ideal candidate is someone who:
• Delivering accurate, timely, and reliable data outputs and insights
• Maintaining robust and efficient reporting processes
• Identifying meaningful trends and escalating risks appropriately
• Building strong working relationships across teams

Company Overview

• Ezra provides B2B digital lending solutions for emerging markets in partnership with mobile and digital wallet operators and financial service providers.
• Ezra supports 24 operations in 23 countries, across Africa, the Middle East and Asia.
• Our key office locations are in Nairobi, Kenya and Dubai, UAE.
• Our flagship products are Airtime Credit Services (ACS), Nano and BNPL.
• ACS is an airtime or data advance offered to prepaid mobile subscribers at the point of low credit.
• Nano is a micro cash advance offered to mobile wallet users on demand.
• BNPL facilitates payment installments for products and services
• As a FinTech company, our business is entirely technology and data driven, from determining subscriber eligibility, generating relevant offers, managing risk, loan issuance, recovery, optimizing performance and reporting, reconciliation and billing.
• Each day we process approximately 21M loan requests and 1.4 TB of data across our markets.
• This process needs to be robust, reliable and secure.
• But it doesn’t end there.
• We’re exploring new ways of using our platform and transactional data to improve our products and develop new product opportunities.