Credit Risk Analyst

Who We Are

_able is transforming financial services in emerging markets with its best-in-class Digital Banking Platform. We help partners launch financial products by embedding them into digital channels their customers already use.

The foundation of the platform is grounded in data and informs everything we do: from credit scoring to marketing segmentation and everything in between. Building on this strong foundation, we’ve structured the platform around three key layers:

• API Integration Layer: Seamless connectivity for partners to integrate core systems.
• Module Layer: Flexible, customizable components tailored to partner needs.
• Services Layer: Expertise to manage financial products, including portfolio management, scoring, and communications.

This approach enables us to embed credit and savings products into any partner channel, making them easy to access and highly contextual. The benefit is that our platform can cater to a wide range of use cases:

• MNOs can deploy efficient loan and savings systems optimized for their channels.
• Fintechs can offer tailored financial services to their unique customer base.
• Banks can create new revenue streams and enhance customer loyalty without overhauling their core systems.

The result is a win-win-win for partners, customers, and _able. Having deployed across multiple markets in Africa, we’ve proven our platform meets a critical need and is driving us toward our core objectives:

1. Democratizing financial services by reaching over 500 million people.
2. Becoming the most trusted source of data in emerging markets.

The Role

We have a dynamic Data Science team dedicated to pushing the boundaries of credit scoring, customer segmentation, and AI-driven innovation. Leveraging access to diverse and extensive data sources far beyond what is typical for banks or MNOs, we develop and deliver robust solutions that enhance the value of every _able transaction for our partners.

Our 2026 roadmap and OKRs are ambitious and focused on tripling our live portfolio while also diversifying our products across markets, partners, and outcomes. We are seeking a skilled Credit Risk Analyst to join our team. In this role, you will be instrumental in developing, monitoring, and refining credit risk models and strategies. Your work will play a critical role in evaluating and mitigating credit risks, ensuring the sustainable growth and success of our lending products across diverse markets.

Position title: Credit Risk Analyst

Reports to: Head of Data

Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets

Base: India, Kenya, UAE

Travel: Yes
 

Key Responsibilities

• Work with the data team to develop, implement, and maintain credit risk models and scoring systems tailored to diverse markets in East Africa and Asia.
• Analyse borrower profiles, transaction patterns, and repayment behaviours to identify and assess potential credit risks.
• Collaborate with data teams to extract and interpret key credit risk insights from large datasets. Use SQL and Python to gather, analyse, and process data to inform credit risk decisions, presenting findings to the team and other stakeholders.
• Design and implement predictive models and machine learning algorithms to enhance credit risk management strategies.
• Regularly review and refine risk assessment processes to adapt to market changes and business goals.
• Monitor portfolio performance, identify trends, and provide actionable recommendations to mitigate risks and enhance profitability. Develop regular credit risk reports for senior management that highlight key metrics, trends, and risk exposures.
• Track OKRs (Objectives and Key Results) in line with the team and business objectives to become the most trusted source of data for emerging markets.
• Contribute to the development of credit risk policies, ensuring alignment with local regulatory requirements and _able’s business objectives.
• Work closely with product, data engineering, tech, and operations to align risk strategies with product innovations and business goals, providing guidance and insights to support the development of new financial products and lending solutions.
• Stay updated on industry trends, emerging risks, and best practices in credit risk management. Identify opportunities to improve existing credit risk frameworks, processes, and tools.

Person Specification

Required

• Bachelor’s degree in Finance, Economics, Data Science, Statistics, or a related field.
• Minimum 3 years of experience in credit risk analysis, preferably in a fintech or financial services environment.
• Experience working with lending products within banking environment/ ecosystem
• Proficiency in SQL and Python for data extraction, analysis, and modeling.
• Experience with BI tools for developing dashboards and visualisations.
• Strong analytical and problem-solving skills.
• Excellent communication and presentation abilities.
• Ability to work in a fast-paced, cross-functional, and dynamic environment.

Preferred

• Advanced degrees or certifications (e.g., CFA, FRM) are a plus.
• Knowledge of machine learning techniques and predictive modeling is an advantage

Culture

At _able, we are a fast-paced, high-performing team driven by a shared passion for building the future of banking and democratising access to finance across emerging markets. Our team operates across offices in Dubai, Nairobi, Dar es Salaam, Kampala, Maputo, and Porto, with frequent travel to strengthen connections with colleagues and partners.

We value the impact of working together in person, believing it often delivers results that remote work cannot fully achieve. While work-from-home (WFH) is available for specific requests or situations, our culture emphasises the advantages of being physically present and engaged as a team.

We are entering an exciting phase of hyper-growth, expanding into new markets, scaling operations, and evolving our structures to shape the future of _able in 2026. We are looking for energetic, curious individuals who are passionate about our vision and eager to create value while driving innovation and growth in the markets we operate in. 

We’re thrilled to have you join us as we reshape the financial landscape in emerging markets.

Benefits

• Health Insurance for you and your direct dependants
• Group Bonus Policy
• Long-Term Incentive Plan (LTIP)
• Mental Health and Wellbeing Platform
• Learning & Development Opportunities (Internal and External)