Job Description

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

Required experience::

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

What You'll Do:

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

Data: Repayments data, customer behaviour data, third-party data sets

Modelling: Risk modelling and statistical analysis across large, complex data sets

Collaboration: Cross-functional work with engineers, data scientists, analysts, growth managers, and commercial stakeholders

Context: Credit, underwriting, and lending analytics in emerging markets

Our Team Approach:

Low-ego, high-impact: We foster a collaborative environment where diversity, innovation, and rigour drive both commercial growth and social impact

Data-driven decision-making: You'll be empowered to make the case for prioritisation and own the analysis that shapes lending strategy

Ownership: You'll have a high degree of ownership over your domain - and the responsibility that comes with it

Ambiguous problems welcome: We look for people who thrive when the problem isn't fully defined yet

Newly established, fast-expanding: You'll be joining at a formative moment for our credit and underwriting capabilities

Benefits

Location & Benefits:

Fully remote role within UTC -1 to UTC +3 time zones

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 Impact 💚:

Connected 📱: 2.5 million first-time smartphone users connected

Prosperous 💰: 70% of customers use M-KOPA products for income generation, with 35,000 livelihoods created for agents

Green 🌱: 2.1 million tonnes of CO₂ avoided through clean energy products, with over 127,700 circular economy products provided

Senior Analyst - Credit Risk & Eligibility

Job Description

Stop applying into silence.

Requirements

Responsibilities

Benefits

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