At a Glance
- Tasks: Analyse data to shape credit risk decisions and improve loan eligibility for millions.
- Company: Join M-KOPA, a leader in financial inclusion across Africa.
- Benefits: Enjoy remote work, professional development, and flexible family-friendly policies.
- Other info: Be part of a fast-growing team focused on innovation and ownership.
- Why this job: Make a real impact on credit access while working with diverse teams.
- Qualifications: Strong skills in statistical modelling, Python, SQL, and cross-functional collaboration.
The predicted salary is between 50000 - 70000 € per year.
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.
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.
Senior Analyst - Credit Risk & Eligibility in West Bromwich employer: M Kopa
M-KOPA is an exceptional employer that champions financial inclusion and innovation, offering a fully remote role that allows you to collaborate with diverse teams across the UK, Europe, and Africa. With a strong focus on professional development, flexible working arrangements, and a supportive work culture, employees are empowered to grow their careers while making a meaningful impact in the lives of millions. Join us to be part of a fast-expanding team where your contributions directly influence credit risk decisions and drive positive change.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Analyst - Credit Risk & Eligibility in West Bromwich
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at M-KOPA. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Show off your skills! If you've got experience with Python or SQL, consider creating a small project or analysis to showcase your abilities. Share it on LinkedIn or during interviews to stand out.
✨Tip Number 3
Prepare for the interview by understanding M-KOPA's mission and values. Think about how your experience aligns with their goals in credit risk and financial inclusion. This will help you connect better during the conversation.
✨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 genuinely interested in joining the team.
We think you need these skills to ace Senior Analyst - Credit Risk & Eligibility in West Bromwich
Some tips for your application 🫡
Tailor Your CV:Make sure your CV speaks directly to the role of Senior Analyst – Credit Eligibility. Highlight your experience with credit risk, data analysis, and any relevant tools like Python and SQL. We want to see how your skills align with what we do!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how you can contribute to our team. Be sure to mention any specific projects or experiences that relate to the job description.
Showcase Your Data Skills:Since this role involves a lot of data analysis, make sure to highlight your statistical modelling and quantitative analysis skills. Share examples of how you've used data to drive decisions in previous roles—this will really catch our eye!
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at M Kopa
✨Know Your Data Inside Out
Make sure you’re well-versed in the types of data you'll be working with, especially repayment and customer behaviour data. Brush up on your statistical modelling skills and be ready to discuss how you've used Python and SQL to analyse complex datasets in the past.
✨Showcase Your Problem-Solving Skills
Prepare examples of how you've tackled ambiguous problems in previous roles. M-KOPA values proactive thinkers, so be ready to share specific instances where your analytical skills led to actionable business strategies or improved credit risk assessments.
✨Collaboration is Key
Highlight your experience working cross-functionally with teams like product, engineering, and commercial stakeholders. Be prepared to discuss how you’ve effectively communicated complex data insights to non-technical team members, showcasing your strong interpersonal skills.
✨Stay Current with Industry Trends
Familiarise yourself with the latest trends in credit risk and eligibility, especially in emerging markets. Being knowledgeable about new loan types and customer demand will show that you're not just a data analyst but also someone who understands the broader context of the role.
