Credit Analyst

About The Role

Key Responsibilities

• Lead analysis of consumer credit portfolios, identifying key risk drivers and performance trends
• Design, optimize, and oversee complex SQL queries and analytical workflows
• Translate data insights into actionable recommendations for underwriting strategy and credit policy
• Develop, refine, and validate credit rules, scorecards, and segmentation strategies
• Monitor portfolio health (delinquency, default, loss, and vintage performance) and recommend proactive actions
• Partner with senior stakeholders across stakeholders to influence decision-making
• Drive improvements in data processes, reporting automation, and analytical frameworks

Qualifications And Experience

• Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
• 4–7+ years of experience in credit risk, analytics, or lending environments
• Strong understanding of credit risk modeling, portfolio analytics, and policy design
• Advanced SQL proficiency and experience working with large datasets
• Proven ability to independently manage analytical projects and influence outcomes
• Strong communication and stakeholder management skills
• Professional proficiency in English

Preferred Qualifications

• Experience in fintech or digital lending environments
• Proficiency in Python or R for data analysis or modeling
• Experience with credit scorecards or risk model development
• Familiarity with regulatory frameworks in consumer lending
• French language skills (beneficial)

The Ideal Candidate Is Someone Who

• Driving measurable improvements in portfolio performance and risk management
• Influencing credit strategy through data-driven insights
• Delivering high-quality, scalable analytical solutions
• Elevating team capability through mentorship and process improvements
• Acting as a trusted advisor to business stakeholders

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.