Senior Credit Analytics Manager using SQL and Python/R to build predictive models for credit strategies. Collaborating with cross-functional teams to improve financial inclusion across Africa.
Responsibilities
Build predictive models for credit loss, cash flow, and customer behaviour using SQL, Python/R on large transactional datasets
Design and run experiments—A/B tests and causal analyses to optimize credit strategies and improve portfolio performance
Translate data into strategy—present compelling analytical insights to senior leadership on credit policy, pricing, and risk appetite
Partner cross-functionally with Product, Data Science, Finance, and Operations to embed analytics into credit decisioning
Requirements
5+ years working with consumer credit, lending, or financial services data—understanding credit performance metrics, loss drivers, risk concentration, and portfolio analytics.
Deep, hands-on expertise using SQL and Python or R to analyse large datasets, build predictive models (loss models, cash-flow projections, IFRS 9 provisioning), and run statistical experiments.
Proven ability to translate technical analyses into executive decision support—influencing credit policies, pricing, terms, and risk appetite through clear, compelling data storytelling presented to senior leadership.
Benefits
Professional development programs and coaching partnerships
Family-friendly policies and flexible working arrangements
Well-being support and career growth opportunities
Hybrid working in Ghana with diverse teams across UK, Europe, and Africa
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