Credit Risk Analyst

About the role

Oya Microcredit Limited is hiring a full-time Credit Risk Analyst in Nairobi (Westlands), reporting to the Credit Risk Manager. The role covers assessing creditworthiness, analysing financial data, evaluating risk exposure and recommending terms that support prudent lending in line with company policies and regulatory requirements.

Key responsibilities

• Analyse loan applications and assess clients' creditworthiness
• Evaluate financial statements, cash flows, leverage ratios and collateral adequacy
• Conduct risk assessments and recommend credit limits and terms
• Monitor existing loan portfolios and identify early warning signs of default
• Prepare credit appraisal reports and risk analysis summaries
• Ensure compliance with internal credit policies and regulatory requirements
• Keep up to date with legal, compliance and market risk developments
• Support the development and improvement of credit scoring models and risk frameworks
• Present risk findings and recommendations to management
• Work with Credit, Sales, Collections and Compliance teams to manage portfolio risk

Required profile

• Bachelor's degree in Accounts, Economics, Statistics or a related field
• 1-3 years of experience as a Credit Analyst, preferably in microfinance or a financial institution
• Excellent analytical and quantitative skills, strong communication and presentation skills
• Sound judgment, integrity, accuracy and attention to detail

Required skills

• Proficiency in statistical packages and financial software
• Risk assessment and mitigation, financial modelling and analysis, portfolio monitoring
• Regulatory awareness and problem-solving