- Company Name
- M-KOPA
- Job Title
- Senior Business Analyst - Credit Eligibility
- Job Description
-
**Job Title:** Senior Business Analyst – Credit Eligibility
**Role Summary:**
Senior Business Analyst responsible for developing and refining underwriting frameworks to expand loan access while controlling credit risk. Leads data-driven enhancements of loan eligibility, pricing, and performance monitoring across multiple markets, collaborating with product, engineering, data science, and commercial stakeholders.
**Expectations:**
- Deliver actionable insights from complex, unstructured repayment and behavioral data.
- Own end‑to‑end credit model lifecycle: data acquisition, variable selection, scoring, and validation.
- Translate analytical findings into business strategies that balance growth, margin, and risk.
- Advocate data‑driven decisions within cross‑functional teams and influence product roadmap.
**Key Responsibilities:**
1. Analyse repayment, transaction, and external data to optimize eligibility criteria and credit limits.
2. Refine loan pricing models by integrating customer behavior, risk signals, and market dynamics.
3. Design and run experiments on new loan offerings; assess demand and credit performance.
4. Monitor credit metrics, detect risk shifts, and quantify margin impact.
5. Evaluate new data sources and feature sets for predictive models.
6. Build and maintain analytic pipelines using Python, SQL, and related tools.
7. Collaborate with data science to incorporate machine learning into eligibility decisions.
**Required Skills:**
- Advanced statistical modeling and quantitative analysis of unstructured data.
- Proficiency in Python (Pandas, NumPy, scikit‑learn) and SQL; familiarity with version control (Git).
- Experience translating analytical insights into actionable business recommendations.
- Strong written, oral, and visual communication; ability to present complex findings clearly.
- Proven cross‑functional collaboration with product, engineering, and commercial teams.
- Excellent interpersonal and team‑working skills.
- (Preferred) Background in credit, underwriting, or lending analytics.
**Required Education & Certifications:**
- Bachelor’s degree in Data Science, Statistics, Economics, Finance, Engineering, or related field (Master’s preferred).
- Relevant certifications in data analytics, statistics, or credit risk (e.g., CFA Level II, FRM, or equivalent) are a plus.