Senior Analyst - Credit Risk & Eligibility in Birmingham

Join our Credit Eligibility team at M-KOPA to shape credit risk and eligibility decisions for millions of people across Africa. The role directly influences who gains a loan, on what terms, and how we manage risk at scale, blending financial inclusion with data science.

What You'll Do

• Analyse repayment 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.

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.

Team Approach

• Low‑ego, high‑impact collaborative environment driven by diversity, innovation, and rigour.
• Data‑driven decision‑making with ownership of lending strategy analysis.
• High degree of ownership over your domain and its responsibilities.
• Ambiguous problems are welcomed and solved by proactive thinkers.
• Fast‑expanding, newly established team positioned to grow credit and underwriting capabilities.

Required Experience

• Strong statistical modelling and quantitative analysis skills, including analysis of unstructured data.
• Experience in credit, underwriting, or lending analytics.
• Fluency in Python, SQL, and other relevant analytical tools.
• Ability to translate complex data insights into actionable business strategies.
• Experience working cross‑functionally with product, engineering, and commercial teams.
• Strong data communication skills—written, oral, and visual.
• Strong interpersonal and collaboration skills.

Location & Benefits

• Fully remote role within UTC –1 to UTC +3 time zones.
• Work with diverse teams across the UK, Europe, and Africa.
• Professional development programmes and coaching partnerships.
• Family‑friendly policies and flexible working arrangements.
• Well‑being support and career growth opportunities.

Equal Opportunity Employer

M-KOPA is an equal‑opportunity and affirmative‑action employer. Women, minorities, and people with disabilities are strongly encouraged to apply. M-KOPA does not charge any fees for the application or recruitment process.