About the role

  • Senior Credit Risk Analyst at Kriya leading decision science and credit models to improve business performance. Collaborating with teams to provide insights on customer behavior and product strategy.

Responsibilities

  • Work closely with our risk leadership team to provide insights to optimise our underwriting and credit decisioning processes.
  • Leverage latest data science, machine learning and artificial intelligence to build systematic risk models for our credit products
  • Produce portfolio monitoring and investigative analysis to explain trends and answer questions from key stakeholders; making recommendations on how to enhance our products and processes.
  • Develop and optimise our pricing models using financial modelling techniques.
  • Produce portfolio management information for both internal and external stakeholders and present insight and findings in a clear non-technical way that is easy for stakeholders to digest and understand.
  • Conduct rigorous impact analysis on credit strategies, reassessing and optimising how we make credit decisions.
  • Support the collections and recovery team with data driven insight and collections strategies.
  • Collaborate with other teams in developing our predictive models, product features and processes

Requirements

  • Proven experience in decision science, credit risk analytics, data modelling and AI, ideally within financial services or fintech.
  • Strong understanding of risk disciplines including unit profitability evaluation, pricing, risk appetite setting, and credit policy design.
  • Experience with B2B/SME lending is highly desirable, though not essential.
  • Demonstrated ability to influence and collaborate with cross-functional teams and senior stakeholders.
  • Strong leadership and people management skills with a track record of building high-performing teams.
  • Exceptional analytical and problem-solving abilities with a hands-on approach.
  • Excellent communication skills, particularly in translating complex findings into accessible, actionable insights.
  • Organised, proactive, and able to manage multiple priorities across different products and development stages.
  • Comfortable working in a fast-paced, evolving environment with a start-up / build-it-yourself mindset.

Job title

Senior Credit Risk Analyst

Job type

Experience level

Senior

Salary

Not specified

Degree requirement

Bachelor's Degree

Location requirements

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