Associate Credit Analyst

About the role: We are seeking a highly analytical, detail-oriented, and proactive Credit Analyst to join our team. This pivotal role is essential for bolstering our credit risk management framework by providing robust support for credit analytics, ongoing portfolio monitoring, and data-driven strategic decision-making. The successful candidate will play a critical role in maintaining the integrity and accuracy of our credit data and analytics processes. This position is ideally suited for candidates who possess demonstrable, hands-on experience with advanced data querying languages, specifically SQL, and a strong foundation in data analysis and manipulation. A key expectation for this role is the ability to work with a high degree of independence, ensuring the timely delivery of accurate, actionable credit insights and maintaining reliable, high-quality regulatory and internal reporting packages. Key responsibilities: • Analyze consumer credit data to support underwriting and portfolio monitoring • Develop and maintain SQL queries for recurring and ad hoc analysis • Produce regular reports and dashboards on portfolio performance (e.g., delinquency, roll rates, loss metrics) • Conduct exploratory data analysis to identify trends, anomalies, and emerging risk indicators • Monitor performance of existing credit policies, rules, and scorecards, and flag issues or opportunities • Collaborate with Risk, Product, Finance, and IT teams to support data and reporting needs • Ensure data accuracy, integrity, and compliance with internal standards and regulatory requirements Qualifications and Experience: • Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field • 2–4 years of experience in credit risk, analytics, or a similar role • Solid understanding of credit risk principles (credit scoring, underwriting, delinquency and loss metrics) • Proficiency in SQL (joins, aggregations, and query structuring) • Experience working with structured datasets and performing data analysis • Strong analytical thinking and attention to detail • Professional proficiency in English Preferred Qualifications: • Experience in financial services, fintech, or lending environments • Familiarity with data visualization tools (e.g., Tableau, Power BI) • Working knowledge of Python, R, or advanced Excel French language skills (beneficial) The ideal candidate is someone who: • Delivering accurate, timely, and reliable data outputs and insights • Maintaining robust and efficient reporting processes • Identifying meaningful trends and escalating risks appropriately • Building strong working relationships across teams Company overview: Ezra provides B2B digital lending solutions for emerging markets in partnership with mobile and digital wallet operators and financial service providers. Ezra supports 24 operations in 23 countries, across Africa, the Middle East and Asia. Our key office locations are in Nairobi, Kenya and Dubai, UAE. Our flagship products are Airtime Credit Services (ACS), Nano and BNPL. • ACS is an airtime or data advance offered to prepaid mobile subscribers at the point of low credit. • Nano is a micro cash advance offered to mobile wallet users on demand. • BNPL facilitates payment installments for products and services As a FinTech company, our business is entirely technology and data driven, from determining subscriber eligibility, generating relevant offers, managing risk, loan issuance, recovery, optimizing performance and reporting, reconciliation and billing. Each day we process approximately 21M loan requests and 1.4 TB of data across our markets. This process needs to be robust, reliable and secure. But it doesn’t end there. We’re exploring new ways of using our platform and transactional data to improve our products and develop new product opportunities.