Senior Analyst - Credit Risk & Eligibility - Johannesburg

M-KOPA is the pioneer and global leader of Connected Asset Financing that offers millions of underbanked customers access to life-enhancing products. Our advanced connected asset financing platform combines digital micropayments and IoT connectivity to offer access to products including solar lighting, televisions, fridges, smartphones, financial services and more. Our mission is to make financing for everyday essentials accessible to customers in Africa and beyond so they can achieve progress in their lives. Through the power of connected devices, we establish a unique and secure relationship with our customers, allowing them instant access to a product whilst building ownership overtime through flexible micro-payments. Through regular payments, customers can unlock access to more products and services to continue their relationship and build their credit history with M-KOPA.What You'll Do At M-KOPA, you'll own the analytical work that drives our lending strategy. Our Credit Eligibility team operates with a high degree of autonomy — you'll work cross-functionally with engineers, data scientists, growth managers, and commercial stakeholders across multiple countries, bringing analytical rigour to decisions that shape both credit performance and customer outcomes. Analyse M-KOPA's repayments data and other data sources to continuously improve credit scorecards and eligibility criteria while managing credit risk Refine loan pricing based on credit analysis and customer behaviour Test new loan types to understand customer demand and credit performance Monitor credit performance to detect risk shifts and quantify margin impact Test the predictiveness of new data sets for eligibility criteria purposes Use Python, SQL, and other tools to drive data insights Work with data scientists to leverage machine learning models as part of loan eligibility decisions Your Technical Environment Languages & tools: Python, SQL, and other analytical tooling Data: Repayments data, customer behaviour data, third-party data sets Modelling: Risk modelling and statistical analysis across large, complex data sets Collaboration: Cross-functional work with engineers, data scientists, analysts, growth managers, and commercial stakeholders Context: Credit, underwriting, and lending analytics in emerging markets Our Team Approach Low-ego, high-impact: We foster a collaborative environment where diversity, innovation, and rigour drive both commercial growth and social impact Data-driven decision-making: You'll be empowered to make the case for prioritisation and own the analysis that shapes lending strategy Ownership: You'll have a high degree of ownership over your domain - and the responsibility that comes with it Ambiguous problems welcome: We look for people who thrive when the problem isn't fully defined yet Newly established, fast-expanding: You'll be joining at a formative moment for our credit and underwriting capabilities What You Need We're looking for someone with experience in roles with significant analytical components who is ready to take real ownership of credit and eligibility decisions at scale. Required experience: Strong statistical modelling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data Experience in credit, underwriting, or lending analytics Fluency in Python, SQL, and other relevant analytical tools Experience translating complex data insights into actionable business strategies Ability to work cross-functionally with product, engineering, and commercial teams Strong data communication skills - written, oral, and visual Strong interpersonal and collaboration skills