Credit & Analytics Lead

Job Description

Requirements

• Experience in banking, digital lending, or fintech environments.
• Strong proficiency in SQL and Excel; knowledge of Python, R, or similar statistical tools is an advantage.
• Proven track record of leveraging data and analytics to drive strategic credit decisions.
• Experience in developing and managing lending products in both traditional and digital ecosystems.
• Demonstrated ability to lead cross-functional teams and drive impact through collaboration.
• Strong strategic thinking, commercial acumen, and decision-making capabilities.

Responsibilities

• Drive the credit policy framework, ensuring it supports strategic business objectives and regulatory requirements.
• Partner with product, engineering, and data science teams to optimize underwriting models, pricing, and segmentation.
• Oversee portfolio performance and recovery strategy with end-to-end ownership of the credit lifecycle.
• Develop and maintain credit models, dashboards, and decision tools to provide accurate, timely insights.
• Run and coordinate quarterly Board Credit Committee meetings.
• Lead the credit and portfolio strategy across the East Africa portfolio to ensure a healthy balance of growth, risk, and profitability.
• Represent the credit function in global forums and cross-functional discussions, influencing priorities and advocating for regional needs.
• Collaborate with leadership to design and launch new products, expand into new segments, and support diversification into traditional and digital lending products.
• Drive the lending product roadmap ensuring product-market fit and strong performance across loans, wallets, and savings.
• Ensure accurate and timely data submission to regulatory and external stakeholders such as the Central Bank and Credit Reference Bureau.

Benefits

• Competitive salary and equity package.
• Fully paid health insurance and company-matched pension plan.
• 28 days annual leave, 30 days sick leave, and bereavement leave.
• Fully paid parental leave - 6 months maternity and 3 months paternity.
• Annual professional development budget.
• Monthly work-from-home stipend.
• Team meals, social events, and in-person meetups.
• Global exposure and travel opportunities.
• Collaborative flat company culture.