Credit Analysts - Digital Credit

Role Overview

This role develops and manages credit risk strategies and models for mobile lending and other retail credit portfolios. You will monitor portfolio performance, assess economic and competitive conditions, and work with product and sales teams to help maintain credit quality while supporting sustainable growth.

Key Responsibilities

• Design, test and refine credit risk models, including application and behavioural scorecards for relevant products and markets.
• Set portfolio-specific credit strategies that balance risk and profitability, and review proposed strategies where expert judgement is needed.
• Maintain and deploy risk models and tools, track their performance, and investigate whether they continue to meet their intended objectives.
• Monitor portfolio results against agreed credit risk measures, identify emerging trends and recommend practical mitigation actions.
• Prepare monthly economic reviews covering factors such as exchange rates, inflation and interest rates, and assess how these conditions relate to portfolio performance.
• Research competitor products and financial performance, maintain sector and regulatory intelligence, and share relevant market developments.
• Support monthly scheme portfolio reporting and contribute to forbearance, credit limit and annual portfolio reviews as required.
• Work with product, process and sales teams to embed quality in product design and help shape strategies for suitable customer acquisition and uptake.

Requirements & Qualifications

• Bachelor’s degree in mathematics, statistics, economics, operations research or a related discipline.
• Comprehensive credit knowledge and a strong understanding of commercial and industry conditions.
• Working knowledge of risk management policies, procedures and credit pricing.
• Strong analytical ability, including the capacity to interpret model outputs and portfolio trends.
• Excellent presentation skills, with the ability to communicate findings and recommendations clearly.