Credit Analyst at Lipa Later Limited

Job Description:
The Credit Analyst will Report to the Head of Credit and will assist in reviewing the creditworthiness of individuals or businesses, particularly for employed and Business clients to determine the risk involved in lending money or extending credit within kenya

Responsibilities:

• Promptly evaluating credit data of both current and potential borrowers to determine the level of creditworthiness and assign Credit Limits by use of 3rd Party Intelligence Le CRB Reports, Spine Mobile, and Periculum
• Financial Analysis and Approvals based on financial statements provisioned and including monitoring potential frauds, Altered statements, and Clients with the Inability to make Repayments.
• Assist in the Review and development of credit scorecards and Credit Models for the Markets assigned.
• Continuous testing and monitoring feature and product performance and reporting the same to the Product Manager and HOC.
• Prepare monthly Reports on Unlocked Limits, Behavioral Client Patterns, and Risk profiling to allow for Credit performance monitoring based on Approval interactions.
• Identity Training Gaps in the Market of assignments and Organize at Least 2 trainings workshops in a month for departments affected Le Sales, Customer Services.
• Liaise with HOC and the data team to develop machine learning models useful in credit management.
• Monitor and Report to the tech department bugs and recommend fixes as noted in the organization Systems and platforms (the back-endi
• Interdepartmental relationships management and including working with both the Customer Servies teams and Sales Teams to communicate with Clients in Credit process adherence.
• Revamping and consistently improving the credit scoring logic to establish accurate levels of risk of the customer segments.