Decisioning Analyst at Carbon Nigeria

Carbon is a pan-African digital bank with a mission to provide friction-free finance to its customers. Carbon promises to play a fundamental role in its customers’ lives wherever they are, with flexible solutions. We pride ourselves on our efficiency and with just $10mm of equity raised in 2015, we have disbursed over $100m in loans and earned more than $30mm in revenue over the last 2 years. Carbon has operations in Ghana, Kenya, and Nigeria, supported by a talented team spread between Lagos, Nairobi, London, Argentina, and Palo Alto so we operate with a remote-first mindset. 

We are recruiting to fill the position below:

Job Title: Decisioning Analyst

Location: Lagos
Department: Decisioning

Role Overview

• We’re looking for a Decisioning Analyst, who is a pivotal link between Decisioning, Engineering and Credit Risk.
• This role is responsible for the smooth execution of decisioning workflows and processes, maintaining the integrity of the Decision Engine, and ensuring that risk strategies are accurately translated into technical logic.
• You will act as the primary communication hub to ensure AI-enhanced cohesive implementation of decisioning initiatives across Carbon.

Key Responsibilities
System Configuration & Logic Management:

• Logic Implementation: Configure and maintain decisioning logic within primary systems, such as the Decision Engine and the Fraud Engine, to support new products and features and risk and collections strategies.
• Alignment: Ensure all system logic remains aligned with business goals and strategic objectives.
• Process Refinement: Work closely with Credit Risk, Collections, Sales and Engineering to refine and streamline decisioning flows.
• AI Integration: Leverage AI tools and outputs to automate decisioning workflows, ensuring predictive insights are seamlessly integrated into live production funnels.

Monitoring & Root Cause Analysis:

• Performance Monitoring: Monitor decisioning flows and funnels to identify positive or negative deviations, spikes, or anomalies.
• Troubleshooting: Promptly detect errors or malfunctions in decisioning flows and initiate corrective actions.
• Investigation: Conduct thorough root cause investigations for any system disruptions and report findings to management.

Performance Optimization:

• Data Analysis: Rigorously analyze decisioning data to uncover opportunities for cost reduction and increased efficiency.
• Strategy Improvement: Identify opportunities to reduce non-performing loans and increase lending disbursements through logic enhancements.
• Operational Excellence: Contribute to the optimization of operational procedures to enhance overall effectiveness.

Requirements

• Bachelor’s or Master’s degree in Data Science/ Analytics or similar, Engineering, Statistics, Actuarial Science, or related field.
• 2+ years of experience in Business Intelligence, Credit Risk, Decisioning Systems, or Data Science in fintech, banking, or similar environments.
• Demonstrated proficiency in performing complex data extraction and manipulation.
• Strong hands-on experience in navigating and querying large-scale data environments.
• Demonstrated ability to interface with back-end data systems. Experience with automated decisioning platforms (e.g., Provenir, Taktile or equivalent) is a plus.
• Familiarity with the application of AI tools and outputs within business workflows.
• Solid understanding of credit decisioning systems and lending processes.
• Outstanding communication skills. Ability to translate technical work into business strategy.
• Highly analytical, detail-oriented, and comfortable working in a fast-paced environment.
• Demonstrated ability to work cross-functionally with Product, Engineering, Sales and Risk teams.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online