- Company: Kuda Bank
- Location: Lagos
- Job type: Full-time
About the role
Kuda is a full-service, app-based digital bank dedicated to serving customers across Africa and the diaspora. We are looking for a Senior Data Analyst to join our Decision Science team. In this role, you will support analytics across the entire credit product life cycle, from design and acquisition to portfolio management and collections. You will report directly to the Credit Risk Analytics Lead.
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 financial services, fintech, or e-commerce.
- 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.
Advantageous: Strong understanding of credit risk and portfolio performance metrics, including annualised loss, vintage curves, roll rates, Exposure at Default (EAD), and Loss Given Default (LGD).
How to apply
Interested and qualified candidates should click here to apply online.
