Senior Analyst - Credit Risk & Eligibility

M-KOPA

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Full-time

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Remote (anywhere)

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5 months ago

Senior Analyst - Credit Risk & Eligibility at M-KOPA (remote, Nairobi). The team decides who gets a loan across five African markets. Notable outcomes include: built a credit scorecard that increased approved loan volume by 15% while keeping default rate under 3%; designed loan pricing rules that lifted net margin by KES 120M in a year; scaled Python-SQL pipelines to process 2 million daily repayments with <2% error; partnered with data scientists to launch a new loan product serving 50k first-time borrowers.

About M-KOPA:

M-KOPA is a UK-headquartered emerging market fintech that provides affordable smartphone and e-motorbike financing and smartphone embedded digital financial services. With operations in Nigeria, Ghana, Kenya, South Africa, and Uganda, the company has extended over $2 billion in credit to more than 7 million customers. Using an innovative financing model based on daily repayments, M-KOPA provides affordable smartphones embedded with financial services that fit with the cash flow of millions of Every Day Earners who earn their income daily. By leveraging rich payments data and proprietary AI-driven analytics, M-KOPA builds a credit record for each customer, which forms the foundation for a long-term financial relationship for digital loans, affordable data subscriptions, and insurance. The company employs over 3,000 staff and 30,000 sales agents across its African markets. M-KOPA has been recognised by the Financial Times as one of Africa’s Fastest Growing Companies for the past 4 years, twcice recognised as one of the world's top fintechs by CNBC for its impact and growth in financial inclusion, and named twice by Time Magazine as one of the 100 Most Influential Companies globally.

mission:

Our mission: To make financing for everyday essentials accessible to everyone

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www.m-kopa.com/

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