Credit Strategy Analyst

2 Days ago • 3 Years +

Job Summary

Job Description

Kuda is a money app for Africans, aiming to make financial services accessible and rewarding globally. They offer money transfers, smart budgeting, and instant credit. As a Credit Strategy Analyst, you will support analytics throughout the credit product life cycle, from design to collection and profit & loss. This role involves working within the Decision Science team, reporting to the Credit Risk Analytics Lead, and contributing to portfolio performance, policy analysis, and strategic A/B testing.
Must have:
  • Support analytics across credit product life cycle.
  • Work within Decision Science team.
  • Report to Credit Risk Analytics Lead.
  • Analyze portfolio performance metrics.
  • Conduct policy rule analysis.
  • Forecast profit and loss.
  • Analyze credit limit assignments.
  • Perform affordability analysis.
  • Conduct score cut-off analysis.
  • Monitor collection rates.
  • Perform lending/collection strategy A/B testing.
  • Academic background in mathematical discipline.
  • 3+ years as quantitative analyst in financial service.
  • Proficient in SQL.
  • Knowledge of statistical tests for A/B testing.
  • Knowledge of standard statistical software packages.
  • Understand credit portfolio performance metrics.
  • Proficient in general programming languages (Python, R).
  • Experience developing end-to-end business reports.
  • Experience generating actionable insights from reports.
Perks:
  • Great and upbeat work environment with a multinational team
  • Pension
  • Career Development & growth
  • Competitive annual leave plus bank holidays
  • Competitive paid time off (Parental, Moving day, Birthday, Study leave etc)
  • Group life insurance
  • Medical insurance
  • Well-fare package (Wedding, Compassionate and etc)
  • Perkbox
  • Goalr - employee wellness app
  • Award winning L&D training
  • Advocates of work-life balance, working in a hybrid in office schedule

Job Details

Description

Kuda is a money app for Africans 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 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 Credit Strategy Analyst, you are supporting the analytics throughout the credit product life cycle, from product design, to credit acquisition, portfolio management, collection and profit & loss. You will work within the Decision Science team, reporting to the Credit Risk Analytics Lead.

Role and Responsibilities

  • Portfolio performance metrics
  • Policy rule analysis
  • Profit and loss forecast
  • Credit limit assignment analysis
  • Affordability analysis
  • Score cut-off analysis
  • Collection rate
  • Lending / Collection strategy A/B testing

Requirements

  • Must have an academic background in a mathematical discipline e.g. Mathematics, Statistics, Physics, etc.
  • Must have 3+ years experience as a quantitative analyst in a financial service
  • 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
  • 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 productionize the report, and managing the stakeholders’ expectations.
  • Experience in generating 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

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About The Company

A few years ago, a small team of people determined to transform banking launched a savings app for Nigerians. That app was the first step toward Kuda. Kuda is a full-service digital bank. Our mission is to make banking accessible, affordable and rewarding for all Africans. Kuda is free of ridiculous banking charges and great at helping customers budget, spend smartly and save more. We raised the largest seed round recorded in Africa, and completed Series B funding round in 2021, led by some of the world's most respected institutional investors.

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