About the Role
Kuda is a full-service, app-based digital bank on a mission to make banking accessible, affordable, and rewarding for Africans globally. Free of ridiculous charges, we help our customers budget, spend smartly, and save more. As a Senior Data Analyst - Credit, you will sit within our dynamic Decision Science team, reporting to the Credit Risk Analytics Lead and supporting analytics throughout the entire credit product life cycle.
Key Responsibilities- Analyze portfolio performance metrics to identify emerging trends, risks, and business opportunities.
- Review and refine credit policies, including rule-based decision engines and score cut-off analysis.
- Build and maintain robust profit and loss forecasts to guide strategic credit decisions.
- Conduct credit limit assignments and comprehensive affordability assessments.
- Monitor and enhance collection strategies based on advanced customer segmentation.
- Design and execute A/B tests to assess and optimize lending and collections performance.
- Communicate actionable insights and recommendations effectively to senior stakeholders.
- Academic background in a mathematical discipline such as Mathematics, Statistics, or Physics.
- Minimum of 5 years of experience as a Quantitative or Data Analyst in financial services, fintech, or e-commerce.
- Strong proficiency in SQL for data extraction and manipulation.
- Hands-on experience with open-source statistical programming languages like Python or R.
- Solid understanding of statistical tests utilized in A/B testing and reporting.
- Ability to interpret and present complex insights within a business context.
- Strong understanding of credit risk and portfolio performance metrics is highly advantageous.
- A great and upbeat work environment with a talented multinational team.
- Competitive salary with pension, group life, and medical insurance packages.
- Generous annual leave and paid time off including parental and study leave.
- Award-winning learning and development opportunities for career growth.
- Flexible hybrid working schedule promoting a healthy work-life balance.