Credit Risk Analyst

About the role

Oya Microcredit, a fast-growing microfinance institution serving individuals and SMEs, is hiring a full-time Credit Risk Analyst in Nairobi. The analyst assesses creditworthiness, analyzes financial data, evaluates risk exposure and recommends terms that support prudent lending in line with company policies and regulatory requirements. The role reports to the Credit Risk Manager.

Key responsibilities

• Analyze 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
• 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 Accounting, Economics, Statistics or a related field
• 1-3 years of credit analysis experience, preferably in microfinance or a financial institution
• Up to date with legal, compliance and market risk issues
• Strong analytical, quantitative, 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 modeling and analysis, portfolio monitoring
• Ability to analyze cash flows, leverage and collateral structures

To apply, send your CV by email quoting the job title in the subject line before 28 November 2026; only shortlisted candidates will be contacted.