Business Analyst - Credit Eligibility in London

We are looking for an Analyst to help drive M-KOPA's mission of building transformative lifetime financial partnerships with our customers. This role offers the opportunity to directly impact millions of customers' access to credit by building underwriting frameworks. You will be a member of a small team with the big responsibility of continuously improving M-KOPA's loan offers and eligibility criteria in order to drive growth while managing credit losses and margins. You'll work cross-functionally with engineers, data scientists, other analysts, growth managers, and commercial stakeholders across multiple countries.

We're building the future of financial inclusion, and data-driven decision making is at the heart of our mission. Our team combines analytical rigor with deep market understanding to develop loan eligibility and pricing for customers who have traditionally been excluded from formal financial services. We foster a low-ego environment where diversity, innovation, and collaboration drive both commercial growth and social impact. You'll be empowered to make data-driven decisions and clear cases for prioritisation of solutions in a domain that you have a high degree of ownership over. You'll be joining a newly established team that's rapidly expanding our credit and underwriting capabilities. We are looking for someone who loves analysing complex data and solving challenging, ambiguous data problems; if that sounds like you, you might be a fit!

In This Role, You Would Be Responsible For:

• Analysing M-KOPA's repayments data and other data sources to continuously improve our loan eligibility criteria while managing credit risk
• Refining loan pricing based on credit analysis and customer behaviour
• Testing new types of loans to understand customer demand and credit performance
• Monitoring credit performance to detect risk shifts and quantify margin impact
• Testing the predictiveness of new data sets for the purposes of eligibility criteria
• Using Python, SQL, and other tools for data analysis to drive insights
• Working with data scientists to leverage machine learning models as part of loan eligibility decisions

This role can be remote or hybrid, but candidates must be located within our time zones (UTC -1 to UTC+3) to ensure effective collaboration with teams across our multiple locations.

Your Application Should Demonstrate:

• Several years in roles with significant analytical components
• Strong statistical modelling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data
• Fluency in Python, SQL, and other relevant tools for data analysis
• 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
• (Nice to have) Experience in credit, underwriting, or lending analytics

Credit accessibility and affordability are at the core of this role. You'll join a small, high-performing team where every day brings new problems to solve and analyses that shape our lending strategy. If this excites you, we'd love to hear from you.

At M-KOPA, we empower our people to own their careers through diverse development programmes, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritise well-being, and embrace flexibility. Join us in shaping the future of M-KOPA as we grow together.

Recognised four times by the Financial Times as one of Africa's fastest growing companies (2022, 2023, 2024 and 2025) and by TIME100 Most influential companies in the world 2023 and 2024, we've served over 6 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa.

M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply.

M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships.

M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for recruitment fees, processing fees, interview fees, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process.

Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date.

If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.