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

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