Leading credit performance analytics to drive financial inclusion for millions across Africa. Partnering with various teams to shape credit strategy and enhance financial security.
Responsibilities
Lead portfolio-level credit risk analytics and diagnostics—assessing performance, risk concentration, and loss drivers to directly inform risk appetite and growth decisions
Translate complex credit data into executive decision support on credit policy, terms, pricing, and new product proposals for senior leadership
Design and interpret experiments and causal analyses to test credit strategies and optimise portfolio performance
Partner with Product, Data Science, Finance, and Operations to embed analytics into credit decisioning and accelerate launches
Requirements
6+ years in digital consumer credit or asset-backed fintech lending (PAYGo, BNPL, mobile lending), with direct ownership of portfolio analytics, credit performance monitoring, and risk strategy in fast-scaling environments.
Deep, hands-on expertise using SQL and Python or R to analyse large transactional datasets, build predictive loss and cash-flow models, support IFRS 9 provisioning, and run experiments to improve credit outcomes.
Proven track record influencing fintech growth decisions through analytics—setting or challenging credit policies, terms, pricing, and risk appetite based on data-driven insights presented to executive 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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