The Credit Risk Analyst supports the execution of 4G Capital\u2019s credit risk and portfolio management strategies through rigorous data analysis, monitoring, and reporting.
\n\tWorking closely with the Credit Risk Manager, the role focuses on generating insights from credit performance data, identifying emerging risks and opportunities, and supporting data-driven decisions across origination, increments, retention, and collections. The analyst plays a key role in ensuring credit strategies are evidence-based, scalable, and aligned with portfolio objectives.<\/p>\n
Roles & Responsibilities<\/p>\n
\tPortfolio Monitoring & Analysis
\n\tMonitor portfolio performance across key risk metrics including default, retention, retention, and collection trends.
\n\tReview credit portfolio dashboards and reports to track credit quality, growth, and stress indicators.
\n\tIdentify early warning signals of portfolio deterioration and flag emerging risks to the Credit Risk Manager.
\n\tPortfolio Performance & Market Insights
\n\tSupport the Credit Risk Manager in the design, testing, and refinement of credit strategies across origination, increments, retention, and collections.
\n\tAnalyse the impact of credit policy changes, adjustments, and strategy pilots on portfolio performance.
\n\tPrepare analysis to support credit policy reviews and product enhancements.
\n\tAssist in monitoring the performance of new models, rule changes, or experiments during pilot phases.
\n\tCollections & Delinquency Management
\n\tAnalyse pre-delinquency and post-delinquency behaviour to identify opportunities for improved risk mitigation and recovery.
\n\tProvide analytical support to collections strategy by evaluating effectiveness of interventions and customer treatment paths.
\n\tTrack repayment behaviour and stress patterns to inform proactive portfolio actions.
\n\tWork closely with Operations and Collections teams to provide sufficient analysis to support collection efforts
\n\tRisk & Decision Science
\n\tQuery, clean, and analyse large datasets using SQL and Python to support credit risk analysis.
\n\tWork closely with the data and decision science teams to ensure data definitions, metrics, and logic are well understood and consistently applied.
\n\tSupport the development and validation of scorecards, rules, and risk indicators.
\n\tDocument assumptions, methodologies, and findings to ensure transparency and repeatability of analyses.
\n\tStakeholder & Investor Engagement
\n\tPrepare clear, concise analytical outputs for the Credit Risk Manager to share with senior management and other stakeholders.
\n\tTranslate analytical findings into practical insights that can be understood by non-technical teams.
\n\tSupport internal and external reporting requirements, including investor, audit, and regulatory requests, as required.<\/p>\n
Required Skills for Credit Risk Analyst<\/p>\n
\tMust be curious to ask questions, possess the technical skills to interact and query the data, robustly analyse the data, and then effectively communicate the findings to non-credit experts around the company.
\n\t2-4 years of experience in credit risk analysis, portfolio analytics, or data analysis within fintech, banking, or financial services in East Africa.
\n\tBachelor\u2019s or Master\u2019s degree in Business, Economics, Mathematics, Statistics or a related field.
\n\tStrong analytical skills with expertise in hands-on experience analysing credit or transactional data.
\n\tProficiency in SQL and Python for data analysis and reporting.
\n\tHands-on experience in analysing credit data, with an understanding of Kenyan and international credit regulations.<\/p>\n
go to method of application \u00bb<\/p>\n
Use the link(s) below to apply on company website. \u00a0<\/p>\n
Apply Through:<\/p>\n","protected":false},"author":2,"featured_media":0,"template":"","meta":{"_promoted":"","_job_location":"","_application":"","_company_name":"4G Capital","_company_website":"http:\/\/www.4g-capital.com\/","_company_tagline":"4G Capital (4th Generation Capital) is Africa's fastest fintech providing ethical credit services to those who require it most. We provide rapidly accessible and affordable unsecured loans with strict affordability criteria to prevent unmanageable debt. Our customers are mainly small businesses an... read mored entrepreneurs who use our credit to grow their businesses and provide for the unforeseen.","_company_twitter":"","_company_video":"","_filled":0,"_featured":0,"_remote_position":0,"_job_salary":"","_job_salary_currency":"","_job_salary_unit":""},"job_listing_region":[692],"job-categories":[809,693,720,719,700],"job-types":[687],"class_list":{"0":"post-92223","1":"job_listing","2":"type-job_listing","3":"status-publish","4":"hentry","5":"job_listing_region-nairobi","7":"job-type-full-time"},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/kenya\/wp-json\/wp\/v2\/job-listings\/92223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobs.dataaxisnode.com\/kenya\/wp-json\/wp\/v2\/job-listings"}],"about":[{"href":"https:\/\/jobs.dataaxisnode.com\/kenya\/wp-json\/wp\/v2\/types\/job_listing"}],"author":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/kenya\/wp-json\/wp\/v2\/users\/2"}],"wp:attachment":[{"href":"https:\/\/jobs.dataaxisnode.com\/kenya\/wp-json\/wp\/v2\/media?parent=92223"}],"wp:term":[{"taxonomy":"job_listing_region","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/kenya\/wp-json\/wp\/v2\/job_listing_region?post=92223"},{"taxonomy":"job_listing_category","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/kenya\/wp-json\/wp\/v2\/job-categories?post=92223"},{"taxonomy":"job_listing_type","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/kenya\/wp-json\/wp\/v2\/job-types?post=92223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}