• Application Deadline:
• Position: Senior Data Analyst



• Job Type Hybrid



• Qualification BA/BSc/HND



• Experience 5 years



• Location Lagos




• Job Field Data, Business Analysis and AI 
  
  

Role Overview

• As a Senior Data Analyst - Credit, you are supporting the analytics throughout the credit product life cycle, from product design, to credit acquisition, portfolio management, collection and profit & loss.


• You will work within the Decision Science team, reporting to the Credit Risk Analytics Lead.

Key Responsibilities

• Analyze portfolio performance metrics to identify trends, risks, and opportunities


• Review and refine credit policies, including rule-based decision engines


• Build and maintain profit and loss forecasts to guide strategic decisions


• Conduct credit limit assignment and affordability assessments


• Perform score cut-off analysis to improve approval and risk strategies


• Monitor and enhance collection strategies based on customer segmentation and outcomes


• Design and run A/B tests to assess and optimize lending and collections performance


• Communicate actionable insights and recommendations to senior stakeholders

Requirements

• Academic background in a mathematical discipline (e.g. Mathematics, Statistics, Physics, or related field)


• Minimum of 5 years' experience as a Quantitative Analyst or Data Analyst in a financial services, fintech or e-commerce environment


• Strong proficiency in SQL for data extraction and manipulation


• Hands-on experience with open-source statistical programming languages such as Python or R


• Solid understanding of statistical tests commonly used in A/B testing


• Experience using statistical software packages (open-source preferred)


• Proven experience developing and maintaining analytical reports or dashboards from end-to-end


• Ability to interpret and present insights from reports in a business context, including stakeholder engagement and recommendation

Advantageous:

Strong understanding of credit risk and portfolio performance metrics, including:

• Annualised loss


• Vintage curves


• Roll rates


• Exposure at Default (EAD)


• Loss Given Default (LGD)

Why join Kuda?

At Kuda, our people are the heart of our business, so we prioritise your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

• A great and upbeat work environment populated by a multinational team


• Pension


• Career Development & growth


• Competitive annual leave plus bank holidays


• Competitive paid time off (Parental, Moving day, Birthday, Study leave etc)


• Group life insurance


• Medical insurance


• Well-fare package (Wedding, Compassionate and etc)


• Perkbox


• Goalr - employee wellness app


• Award winning L&D training


• We are advocates of work-life balance, working in a hybrid in office schedule.