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- Tasks: Analyse data to improve loan eligibility and drive credit accessibility for millions.
- Company: Join M-KOPA, a leader in financial inclusion and innovative partnerships.
- Benefits: Flexible work options, career development, and a supportive team culture.
- Why this job: Make a real impact on financial access while solving complex data challenges.
- Qualifications: Strong analytical skills, experience with Python and SQL, and a passion for data.
- Other info: Be part of a diverse team focused on social impact and commercial growth.
The predicted salary is between 28800 - 48000 £ per year.
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.
About Us: 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 prioritization 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 analyzing 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:
- Analyzing 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 behavior
- 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 modeling 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.
Why M-KOPA? At M-KOPA, we empower our people to own their careers through diverse development programs, 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. Explore more at m-kopa.com.
Important Notice: 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.
Business Analyst - Credit Eligibility employer: M-KOPA
Contact Detail:
M-KOPA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Business Analyst - Credit Eligibility
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already working at M-KOPA. A friendly chat can give you insights into the company culture and maybe even a referral!
✨Tip Number 2
Prepare for the interview by brushing up on your data analysis skills. Be ready to discuss how you've tackled complex data problems in the past and how you can apply that to M-KOPA's mission.
✨Tip Number 3
Show off your passion for financial inclusion! M-KOPA is all about transforming lives through credit access, so make sure to highlight any relevant experiences or projects that align with this mission.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining the team!
We think you need these skills to ace Business Analyst - Credit Eligibility
Some tips for your application 🫡
Show Your Analytical Skills: Make sure to highlight your experience with data analysis in your application. We want to see how you've tackled complex data problems and the tools you've used, like Python and SQL. This is your chance to shine!
Tailor Your Application: Don’t just send a generic application! Take the time to tailor your CV and cover letter to reflect the specific skills and experiences that align with our job description. We love seeing candidates who understand our mission and values.
Communicate Clearly: Strong communication skills are key for this role. When writing your application, be clear and concise about your achievements and how they relate to the position. We appreciate straightforwardness and clarity!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re genuinely interested in joining our team!
How to prepare for a job interview at M-KOPA
✨Know Your Data
Make sure you brush up on your analytical skills, especially in Python and SQL. Be prepared to discuss how you've used these tools in past roles to analyse complex data sets and derive actionable insights. This will show that you can hit the ground running.
✨Understand the Business
Familiarise yourself with M-KOPA's mission and the importance of credit accessibility. Think about how your analytical skills can contribute to improving loan eligibility criteria and managing credit risk. Showing that you understand the business context will set you apart.
✨Prepare for Cross-Functional Collaboration
Since this role involves working with various teams, think of examples where you've successfully collaborated with engineers, data scientists, or commercial stakeholders. Highlight your interpersonal skills and how they helped drive projects forward.
✨Showcase Your Problem-Solving Skills
Be ready to discuss specific challenges you've faced in data analysis and how you approached solving them. M-KOPA values innovative thinking, so share instances where you've tested new ideas or frameworks to improve outcomes.
