Data Analyst (Credit Risk)
Kuda Technologies Ltd, South Africa
Job Description
Kuda is a fintech on a mission to make financial services accessible, affordable and rewarding for every African on the planet.
We’re a tribe of passionate and diverse people who dreamed of building an inclusive money app that Africans would love so it’s only right that we ended up with the name ‘Kuda’ which means ‘love’ in Shona, a language spoken in the southern part of Africa.
We’re giving Africans around the world a better alternative to traditional finance by delivering free money transfers, smart budgeting and instant access to credit through digital devices.
We’ve raised over $90 million from some of the world's most respected institutional investors, and we’re rolling out our game-changing services globally from our offices in Nigeria, South Africa, and the UK.
Role Overview:
As a Data Analyst - Credit Risk, your main responsibility includes implementing performance metrics for monitoring our credit portfolios (including but not limited to consumer and business overdraft, credit card, and term loan), and developing regular reports to provide insights to the credit product stakeholders. Working in an agile environment, from time to time, you will also be required to do ad-hoc analytics and general BI reports that support credit products as well as other areas of the business.
Reporting To: Director of Decision Science
You will work within the Decision Science team. In order to fully understand the product and the market, you will work closely with all credit product stakeholders, including:
- Credit Risk
- Finance
- Product
- Data engineering
Requirements
- Must have an academic background in a mathematical discipline e.g. Mathematics, Statistics, Physics, etc.
- Must have experience of designing credit strategies, e.g. onboarding policy rules, credit limit assignment, pricing strategy, on a consumer credit portfolio
- Must have 3+ years experience as a credit risk analyst
- Ideally have 2+ years experience leading a team
- Proficient at database languages SQL
- Proven knowledge of typical statistical tests used for A/B testing
- Proven knowledge of standard statistical software packages (open source language preferred)
- Understanding of credit portfolio performance metrics, including but not limited to annualised loss, vintage curves, roll rate, exposure at default, loss given default
Desirable skills / knowledge
- General programming language (open source language preferred, e.g. Python, R)
- Experience of developing business reports from end-to-end, i.e. from business requirement analysis, designing the visualisation layer of the reports, sourcing the data, developing and productionise the report, and managing the stakeholders’ expectations.
- Experience in generate actionable insights from the reports, e.g. interpreting the monthly monitoring reports to the business owners in relation to their business interest, and recommending actions in response to the latest developments in the reports
Benefits
Why join Kuda?
At Kuda, our people are the heart of our business, so we prioritize their welfare. We offer a wide range of competitive benefits in areas including but not limited to:
- Perkbox
- Leave days
- Medical aid
- Hybrid working environment
- Travel insurance
- Pension fund