Senior Analyst - Credit Risk & Eligibility at M-KOPA Solar

What You'll Do

At M-KOPA, you'll own the analytical work that drives our lending strategy. Our Credit Eligibility team operates with a high degree of autonomy — you'll work cross-functionally with engineers, data scientists, growth managers, and commercial stakeholders across multiple countries, bringing analytical rigour to decisions that shape both credit performance and customer outcomes.


Analyse M-KOPA's repayments data and other data sources to continuously improve credit scorecards and eligibility criteria while managing credit risk
Refine loan pricing based on credit analysis and customer behaviour
Test new loan types to understand customer demand and credit performance
Monitor credit performance to detect risk shifts and quantify margin impact
Test the predictiveness of new data sets for eligibility criteria purposes
Use Python, SQL, and other tools to drive data insights
Work with data scientists to leverage machine learning models as part of loan eligibility decisions


Your Technical Environment


Languages & tools: Python, SQL, and other analytical tooling
Data: Repayments data, customer behaviour data, third-party data sets
Modelling: Risk modelling and statistical analysis across large, complex data sets
Collaboration: Cross-functional work with engineers, data scientists, analysts, growth managers, and commercial stakeholders
Context: Credit, underwriting, and lending analytics in emerging markets


Our Team Approach


Low-ego, high-impact: We foster a collaborative environment where diversity, innovation, and rigour drive both commercial growth and social impact
Data-driven decision-making: You'll be empowered to make the case for prioritisation and own the analysis that shapes lending strategy
Ownership: You'll have a high degree of ownership over your domain - and the responsibility that comes with it
Ambiguous problems welcome: We look for people who thrive when the problem isn't fully defined yet
Newly established, fast-expanding: You'll be joining at a formative moment for our credit and underwriting capabilities


What You Need


We're looking for someone with experience in roles with significant analytical components who is ready to take real ownership of credit and eligibility decisions at scale.


Required experience:


Strong statistical modelling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data
Experience in credit, underwriting, or lending analytics
Fluency in Python, SQL, and other relevant analytical tools
Experience translating complex data insights into actionable business strategies
Ability to work cross-functionally with product, engineering, and commercial teams
Strong data communication skills - written, oral, and visual
Strong interpersonal and collaboration skills