Job Title: Senior Analyst – Credit Risk & Eligibility
Organisation: M-KOPA
Duty Station: Kampala, Uganda
About Organisation:
The scale and impact of our work is massive. M-KOPA is a fast-growing Fin Tech 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.
Job Summary: We’re growing our Credit Eligibility team and looking for a Senior Analyst to help shape M-KOPA’s credit risk and eligibility decisions for millions of people across Africa. Your analysis will directly influence who gets a loan, on what terms, and how we manage risk at scale – work that sits at the intersection of financial inclusion and rigorous data science.
Job Summary: 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
Key Duties and Responsibilities:
- 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
Qualifications, Skills and 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.
How to Apply:
All suitably qualified and Interested applicants should apply online at the link below.
NB: Only shortlisted candidates will be contacted.
For more of the latest jobs, please visit https://www.theugandanjobline.com or find us on our facebook page https://www.facebook.com/UgandanJobline
Level of Education: bachelor degree
Work Hours: 8
Experience in Months: 36