Credit Analyst

Role Overview

Assess applications for phone financing by checking customer identity, reviewing financial information and applying the employer’s credit rules. Your decisions and follow-up analysis will help limit fraud and missed payments while supporting consistent lending across shops.

Key Responsibilities

• Verify applicant details and identity documents, review M-Pesa statements, and conduct authorized IPRS and CRB checks.
• Evaluate each application against credit policy and recommend approval or rejection, recording clear reasons for declined applications.
• Spot warning signs such as duplicate applications, inconsistent identity details, suspicious documents or possible collusion between promoters and customers; escalate higher-risk cases.
• Maintain credit approval rules and risk settings in the relevant system, and suggest policy changes informed by repayment performance.
• Track first-payment defaults and review repayment patterns by shop and customer group.
• Prepare weekly reports summarizing credit risk findings and repayment trends.
• Protect customer and credit records, handle personal financial data with care, and support privacy compliance and internal audits.

Requirements & Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, Accounting or a related discipline.
• Two to four years’ experience in credit assessment, consumer or digital lending, phone financing, microfinance or a closely related field.
• Practical familiarity with CRB checks, identity verification and assessing customer finances and repayment capacity.
• Fraud detection experience is an advantage.
• Strong English and Kiswahili communication skills.
• Proficiency with spreadsheets and preparing reports.