Credit Risk Analyst at 4G Capital

• The Credit Risk Analyst supports the execution of 4G Capital’s credit risk and portfolio management strategies through rigorous data analysis, monitoring, and reporting.
• Working closely with the Credit Risk Manager, the role focuses on generating insights from credit performance data, identifying emerging risks and opportunities, and supporting data-driven decisions across origination, increments, retention, and collections. The analyst plays a key role in ensuring credit strategies are evidence-based, scalable, and aligned with portfolio objectives.

Roles & Responsibilities

• Portfolio Monitoring & Analysis
• Monitor portfolio performance across key risk metrics including default, retention, retention, and collection trends.
• Review credit portfolio dashboards and reports to track credit quality, growth, and stress indicators.
• Identify early warning signals of portfolio deterioration and flag emerging risks to the Credit Risk Manager.
• Portfolio Performance & Market Insights
• Support the Credit Risk Manager in the design, testing, and refinement of credit strategies across origination, increments, retention, and collections.
• Analyse the impact of credit policy changes, adjustments, and strategy pilots on portfolio performance.
• Prepare analysis to support credit policy reviews and product enhancements.
• Assist in monitoring the performance of new models, rule changes, or experiments during pilot phases.
• Collections & Delinquency Management
• Analyse pre-delinquency and post-delinquency behaviour to identify opportunities for improved risk mitigation and recovery.
• Provide analytical support to collections strategy by evaluating effectiveness of interventions and customer treatment paths.
• Track repayment behaviour and stress patterns to inform proactive portfolio actions.
• Work closely with Operations and Collections teams to provide sufficient analysis to support collection efforts
• Risk & Decision Science
• Query, clean, and analyse large datasets using SQL and Python to support credit risk analysis.
• Work closely with the data and decision science teams to ensure data definitions, metrics, and logic are well understood and consistently applied.
• Support the development and validation of scorecards, rules, and risk indicators.
• Document assumptions, methodologies, and findings to ensure transparency and repeatability of analyses.
• Stakeholder & Investor Engagement
• Prepare clear, concise analytical outputs for the Credit Risk Manager to share with senior management and other stakeholders.
• Translate analytical findings into practical insights that can be understood by non-technical teams.
• Support internal and external reporting requirements, including investor, audit, and regulatory requests, as required.

Required Skills for Credit Risk Analyst

• Must be curious to ask questions, possess the technical skills to interact and query the data, robustly analyse the data, and then effectively communicate the findings to non-credit experts around the company.
• 2-4 years of experience in credit risk analysis, portfolio analytics, or data analysis within fintech, banking, or financial services in East Africa.
• Bachelor’s or Master’s degree in Business, Economics, Mathematics, Statistics or a related field.
• Strong analytical skills with expertise in hands-on experience analysing credit or transactional data.
• Proficiency in SQL and Python for data analysis and reporting.
• Hands-on experience in analysing credit data, with an understanding of Kenyan and international credit regulations.