Senior Analyst - Credit Risk & Eligibility at M-KOPA

What You'll Do

At M-KOPA, you'll own the analytical work that drives our lending strategy. Our Credit Eligibility team operates with a high degree of autonomy — you'll work cross-functionally with engineers, data scientists, growth managers, and commercial stakeholders across multiple countries, bringing analytical rigour to decisions that shape both credit performance and customer outcomes.

• Analyse M-KOPA's repayments 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

Your 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

Our Team Approach

• Low-ego, high-impact: We foster a collaborative environment where diversity, innovation, and rigour drive both commercial growth and social impact
• Data-driven decision-making: You'll be empowered to make the case for prioritisation and own the analysis that shapes lending strategy
• Ownership: You'll have a high degree of ownership over your domain - and the responsibility that comes with it
• Ambiguous problems welcome: We look for people who thrive when the problem isn't fully defined yet
• Newly established, fast-expanding: You'll be joining at a formative moment for our credit and underwriting capabilities

What You Need

• We're looking for someone with experience in roles with significant analytical components who is ready to take real ownership of credit and eligibility decisions at scale.

Required experience:

• Strong statistical modelling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data
• Experience in credit, underwriting, or lending analytics
• Fluency in Python, SQL, and other relevant analytical tools
• 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

Location & Benefits

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