Credit Analyst

About the role:

We are seeking a highly motivated, proactive, and commercially minded Senior Credit Analyst to take a leading role within our Credit team. This position is central to enhancing our credit risk management capabilities.

The successful candidate will be responsible for leading sophisticated credit analytics, driving deep portfolio insights, and playing a pivotal role in the development and refinement of our overarching credit strategy and policy framework.

The Senior Credit Analyst will be instrumental in safeguarding the quality of the credit portfolio while identifying opportunities for commercially sound growth.

Key responsibilities:

• Lead analysis of consumer credit portfolios, identifying key risk drivers and performance trends
• Design, optimize, and oversee complex SQL queries and analytical workflows
• Translate data insights into actionable recommendations for underwriting strategy and credit policy
• Develop, refine, and validate credit rules, scorecards, and segmentation strategies
• Monitor portfolio health (delinquency, default, loss, and vintage performance) and recommend proactive actions
• Partner with senior stakeholders across stakeholders  to influence decision-making
• Drive improvements in data processes, reporting automation, and analytical frameworks

Qualifications and Experience:

• Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
• 4–7+ years of experience in credit risk, analytics, or lending environments
• Strong understanding of credit risk modeling, portfolio analytics, and policy design
• Advanced SQL proficiency and experience working with large datasets
• Proven ability to independently manage analytical projects and influence outcomes
• Strong communication and stakeholder management skills
• Professional proficiency in English

Preferred Qualifications:

• Experience in fintech or digital lending environments
• Proficiency in Python or R for data analysis or modeling
• Experience with credit scorecards or risk model development
• Familiarity with regulatory frameworks in consumer lending
• French language skills (beneficial)

The ideal candidate is someone who:

• Driving measurable improvements in portfolio performance and risk management
• Influencing credit strategy through data-driven insights
• Delivering high-quality, scalable analytical solutions
• Elevating team capability through mentorship and process improvements
• Acting as a trusted advisor to business stakeholders

Company overview:

Ezra provides B2B digital lending solutions for emerging markets in partnership with mobile and digital wallet operators and financial service providers. Ezra supports 24 operations in 23 countries, across Africa, the Middle East and Asia. Our key office locations are in Nairobi, Kenya and Dubai, UAE. 

Our flagship products are Airtime Credit Services (ACS), Nano and BNPL. 

• ACS is an airtime or data advance offered to prepaid mobile subscribers at the point of low credit. 
• Nano is a micro cash advance offered to mobile wallet users on demand. 
• BNPL facilitates payment installments for products and services 

As a FinTech company, our business is entirely technology and data driven, from determining subscriber eligibility, generating relevant offers, managing risk, loan issuance, recovery, optimizing performance and reporting, reconciliation and billing. 

Each day we process approximately 21M loan requests and 1.4 TB of data across our markets. This process needs to be robust, reliable and secure. 

But it doesn’t end there. We’re exploring new ways of using our platform and transactional data to improve our products and develop new product opportunities.