Credit Risk Analyst

We’re looking for a Credit Risk Analyst to assess SME credit applications, analyze financial data and repayment capacity, and support sound credit decisions in line with internal risk policies and regulatory requirements. The role works closely with risk, operations, and product teams to ensure accurate evaluations and improve credit processes.

Tasks & Responsibilities

• Review, validate, and process credit applications submitted by customers, ensuring all required documentation is complete and accurate.
• Conduct financial analysis of applicants, including income verification, debt analysis, repayment capacity, and credit history assessment.
• Apply internal credit policies, risk frameworks, and regulatory guidelines to make informed credit decisions.
• Identify potential risks, red flags, and inconsistencies in applications, escalating cases when necessary.
• Communicate with internal teams (sales, operations, risk) to resolve missing information or discrepancies.
• Maintain accurate records of all processed applications, approvals, declines, and justifications.
• Support continuous improvement by providing feedback on process gaps and suggesting enhancements to credit evaluation procedures.
• Ensure compliance with company policies, data privacy standards, and local regulatory requirements.

Qualifications and Experience

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or a related quantitative discipline.
• 3-5 years of experience in SME credit risk underwriting and analysis and financial statement analysis, preferably within fintech, microfinance, banking, or payment services.
• Experience partnering with Collections, Credit Operations, and Product teams to improve processes and products.
• Proficiency in Excel and Metabase.
• Strong understanding of SME risk assessment methodologies, and regulatory frameworks.
• Excellent communication skills, both verbal and written.
• Ability to work independently, manage deadlines effectively, and maintain attention to detail.

Competencies

• Analytical thinking and problem-solving
• Ability to communicate ideas through data
• Effective time management and organizational skills
• High level of professionalism and integrity
• Collaborative team player