Senior Associate, Credit and Analytics

Job Description

Requirements

• 6+ years of relevant experience.
• Fluent in SQL and Excel.
• Proficiency in R or Python or similar statistical analysis tool is a plus.
• Previous experience in analytics and/or quantitative modeling using large datasets.
• Experience in analyzing, visualizing, and communicating impactful insights to management, investors, and/or auditors.
• Strong strategic thinking and problem-solving skills.
• Enthusiasm for working across cultures, functions, and time zones.

Responsibilities

• Monitor disbursement and repayment covenants and early warning indicators to identify potential credit deterioration.
• Support the automation and continuous improvement of credit processes, controls, and reporting.
• Monitor product performance and drive changes to the credit policy of the Nigeria portfolio to optimize profitability and achieve growth targets.
• Develop, maintain, and enhance dashboards and reports to track portfolio performance, including growth, delinquency, and default-related trends.
• Develop and apply statistical models to support loan pricing, borrower risk segmentation, forecasting, and capital markets financial analysis.
• Identify trends, risks and opportunities and deliver actionable insights to support strategic and operational decision-making.
• Collaborate with data science, finance, product, marketing, collections, and engineering teams to monitor acquisition trends, propose and evaluate experiments, and implement policy changes to meet company objectives.

Benefits

• Competitive salary and equity package.
• Collaborative and flat company culture.
• Remote first with the option to work in-person occasionally.
• Fully paid life and health insurance benefit with Axa Mansard.
• Generous paid leave policy comprising 28 days annual leave, 30 days sick leave, and bereavement leave.
• Fully paid parental leave - 6 months maternity and 3 months paternity leave.
• Pension benefit.
• One-time home office set-up budget. $500 annual learning and development stipend.
• Discretionary trips to global offices with travel medical insurance.
• Flexible working hours.