Credit Analyst

Responsibilities Review installment applications, verify identity documents, conduct authorized IPRS and CRB checks, analyze M-Pesa statements, and recommend approvals or rejections according to credit policy. Identify suspicious submissions, duplicate applications, identity inconsistencies, potential promoter-customer collusion, and flag high-risk cases for escalation. Maintain approval criteria and risk parameters within the system, document rejection reasons, and recommend policy adjustments based on repayment trends. Monitor first-payment defaults, analyze repayment trends across shops and customer segments, and prepare weekly credit risk reports. Maintain secure and confidential credit records, handle personal financial data responsibly, and ensure compliance with privacy laws and internal audits. Requirements Bachelor's degree in Finance, Economics, Business Administration, Accounting, or a related field. 2-4 years of experience in credit assessment, consumer lending, digital lending, phone financing, or microfinance. Practical knowledge of CRB checks, identity verification, and customer financial/repayment analysis. Previous experience in fraud detection is an added advantage. Strong command of English and Kiswahili. Proficient in spreadsheets and reporting too