Senior Analyst - Credit Risk & Eligibility (Remote) at M-KOPA Nigeria

M-KOPA is a fast-growing FinTech company offering millions of underbanked customers across Africa access to life-enhancing products and services. From our roots as the pioneer in pay-as-you-go “PayGo’” solar energy for off grid homes, we have grown into one of the most advanced connected asset financing platforms in the world, empowering a broad range of customers to achieve progress in their lives.

We are recruiting to fill the position below:

Job Title: Senior Analyst - Credit Risk & Eligibility

Location: Lagos (Remote)

The Impact

• Your analysis will determine who gets access to credit - and for most of our customers, that access is transformational.
• We've already unlocked more than $2 billion in credit to over 7 million customers across five African markets. 55% of our customers are accessing a financial product for the first time through M-KOPA. 86% report an improvement in their quality of life.
• Every model you refine, every eligibility criterion you improve, contributes to that. It's your chance to be part of something that's literally transforming lives across an entire continent.

The Opportunity

• Mission-driven analytics: Your daily work - building underwriting frameworks, refining loan pricing, monitoring credit performance - directly determines who gets access to affordable credit across Kenya, Uganda, Nigeria, Ghana, and South Africa.
• Global recognition: Join a company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for four consecutive years (2022–2025).
• Scale challenges: We process over 2 million payments daily and add 200,000 new customers every month. You'll be working with repayment data at a scale very few analysts ever encounter.
• Environmental impact: We're carbon-negative, having avoided over 2.1 million tonnes of CO₂ emissions - and growing sustainably is core to how we operate.

What You'll Do

• At M-KOPA, you'll own the analytical work that drives our lending strategy.
• Our Credit Eligibility team operates with a high degree of autonomy — you'll work cross-functionally with engineers, data scientists, growth managers, and commercial stakeholders across multiple countries, bringing analytical rigour to decisions that shape both credit performance and customer outcomes.
• Analyse M-KOPA's repayments data and other data sources to continuously improve credit scorecards and eligibility criteria while managing credit risk
• Refine loan pricing based on credit analysis and customer behaviour
• Test new loan types to understand customer demand and credit performance
• Monitor credit performance to detect risk shifts and quantify margin impact
• Test the predictiveness of new data sets for eligibility criteria purposes
• Use Python, SQL, and other tools to drive data insights
• Work with data scientists to leverage machine learning models as part of loan eligibility decisions

Required experience

• Strong statistical modelling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data
• Experience in credit, underwriting, or lending analytics
• Fluency in Python, SQL, and other relevant analytical tools
• Experience translating complex data insights into actionable business strategies
• Ability to work cross-functionally with product, engineering, and commercial teams
• Strong data communication skills - written, oral, and visual
• Strong interpersonal and collaboration skills.

Your Technical Environment:

• Languages & tools: Python, SQL, and other analytical tooling
• Data: Repayments data, customer behaviour data, third-party data sets
• Modelling: Risk modelling and statistical analysis across large, complex data sets
• Collaboration: Cross-functional work with engineers, data scientists, analysts, growth managers, and commercial stakeholders
• Context: Credit, underwriting, and lending analytics in emerging markets

Our Team Approach:

• Low-ego, high-impact: We foster a collaborative environment where diversity, innovation, and rigour drive both commercial growth and social impact
• Data-driven decision-making: You'll be empowered to make the case for prioritisation and own the analysis that shapes lending strategy
• Ownership: You'll have a high degree of ownership over your domain - and the responsibility that comes with it
• Ambiguous problems welcome: We look for people who thrive when the problem isn't fully defined yet
• Newly established, fast-expanding: You'll be joining at a formative moment for our credit and underwriting capabilities

What You Need:

•  We're looking for someone with experience in roles with significant analytical components who is ready to take real ownership of credit and eligibility decisions at scale.

Location & Benefits

• Fully remote role within UTC -1 to UTC +3 time zones
• Work with diverse teams across UK, Europe, and Africa
• Professional development programmes and coaching partnerships
• Family-friendly policies and flexible working arrangements
• Well-being support and career growth opportunities.

Application Closing Date
Not Specified.

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