Credit Strategy Analyst

Kuda is a money app for Africans on a mission to make financial services accessible, affordable and rewarding for every African on the planet.
We’re a tribe of passionate and diverse people who dreamed of building an inclusive money app that Africans would love so it’s only right that we ended up with the name ‘Kuda’ which means ‘love’ in Shona, a language spoken in the southern part of Africa.
We’re giving Africans around the world a better alternative to traditional finance by delivering money transfers, smart budgeting and instant access to credit through digital devices.
We’ve raised over $90 million from some of the world's most respected institutional investors, and we’re rolling out our game-changing services globally from our offices in Nigeria, South Africa, and the UK.

Role Overview

As a Credit Strategy Analyst, you are supporting the analytics throughout the credit product life cycle, from product design, to credit acquisition, portfolio management, collection and profit & loss. You will work within the Decision Science team, reporting to the Credit Risk Analytics Lead.

Key Responsibilities 

•  Analyze portfolio performance metrics to identify trends, risks, and opportunities

•  Review and refine credit policies, including rule-based decision engines

•  Build and maintain profit and loss forecasts to guide strategic decisions

•  Conduct credit limit assignment and affordability assessments

•  Perform score cut-off analysis to improve approval and risk strategies

•  Monitor and enhance collection strategies based on customer segmentation and outcomes

•  Design and run A/B tests to assess and optimize lending and collections performance

•  Communicate actionable insights and recommendations to senior stakeholders

• Academic background in a mathematical discipline (e.g. Mathematics, Statistics, Physics, or related field)

• Minimum of 3 years' experience as a Quantitative Analyst or Credit Risk Analyst in a financial services or fintech environment

• Strong proficiency in SQL for data extraction and manipulation

• Hands-on experience with open-source statistical programming languages such as Python or R

• Solid understanding of statistical tests commonly used in A/B testing

• Experience using statistical software packages (open-source preferred)

• Strong understanding of credit risk and portfolio performance metrics, including:

- Annualised loss

- Vintage curves

- Roll rates

- Exposure at Default (EAD)

- Loss Given Default (LGD)

• Proven experience developing and maintaining analytical reports or dashboards from end-to-end

• Ability to interpret and present insights from reports in a business context, including stakeholder engagement and recommendation

Why join Kuda?

At Kuda, our people are the heart of our business, so we prioritize your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

💜A great and upbeat work environment populated by a multinational team

👴Pension

📈Career Development & growth

😁Competitive annual leave plus bank holidays

🎁Competitive paid time off (Parental, Moving day, Birthday, Study leave etc)

💯Group life insurance

💖Medical insurance

🎁Well-fare package (Wedding, Compassionate and etc)

✅ Perkbox

🏃‍♀️Goalr - employee wellness app

🥇Award winning L&D training

💒 We are advocates of work-life balance, working in a hybrid in office schedule

Kuda is proud to be an equal-opportunity employer. We value diversity and anyone seeking employment at Kuda is considered based on merit, qualifications, competence and talent.

We don’t regard colour, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.