Credit Risk Analyst
Job summary
Oya Microcredit Ltd is a fast-growing microfinance institution committed to providing accessible and customer-focused financial solutions to individuals and SMEs. We pride ourselves on professionalism, integrity, and delivering exceptional customer service.
Job descriptions & requirements
Company: Oya Microcredit Ltd
Location: Nairobi
Employment Type: Full-Time
Reports To: Credit Risk Manager
The Credit Risk Analyst will be responsible for assessing creditworthiness, analyzing financial data, evaluating risk exposure, and providing recommendations that support prudent lending decisions in line with company policies and regulatory requirements.
Key Responsibilities
• Analyze loan applications and assess clients’ creditworthiness.
• Evaluate financial statements, cash flows, leverage ratios, and collateral adequacy.
• Conduct risk assessments and recommend appropriate credit limits and terms.
• Monitor existing loan portfolios and identify early warning signs of default.
• Prepare detailed credit appraisal reports and risk analysis summaries.
• Ensure compliance with internal credit policies and regulatory requirements.
• Keep up to date with legal, compliance, and market risk developments.
• Support the development and improvement of credit scoring models and risk frameworks.
• Present risk findings and recommendations to management clearly and professionally.
• Work closely with Credit, Sales, Collections, and Compliance teams to manage portfolio risk.
Qualifications & Requirements
• Bachelor of Science degree in Accounts, Economics, Statistics, or a related field.
• Proven working experience of 1–3 years as a Credit Analyst, preferably in a microfinance or financial institution.
• Proficiency in statistical packages and financial software.
• Strong ability to analyze cash flows, leverage, collateral structures, and overall customer financial strength.
• Up to date with legal, compliance, and market risk-related issues.
• Excellent analytical and quantitative skills.
• Strong communication and presentation skills.
• Demonstrated sound judgment and decision-making ability.
• High level of integrity, accuracy, and attention to detail.
Key Competencies
• Risk assessment and mitigation
• Financial modeling and analysis
• Portfolio monitoring
• Regulatory awareness • Problem-solving skills
• Professional skepticism and independent thinking
**Female candidates are encouraged to apply*
About Oya Microcredit Limited
Oya Microcredit Limited is a reputable financial institution based in Kenya, dedicated to providing accessible and affordable financial services to individuals and small businesses. As a customer-centric organization, Oya Microcredit Limited aims to empower its clients by offering a range of financial products and services tailored to meet their specific needs.
With a strong commitment to financial inclusion, Oya Microcredit Limited has helped thousands of individuals and businesses access the funds they need to grow and prosper. The company's innovative approach to microfinance has earned it a reputation as a leader in the industry, known for its transparency, reliability, and customer service.
At Oya Microcredit Limited, we believe in the power of financial empowerment to transform lives and communities. Join us in our mission to create a financially inclusive society where everyone has the opportunity to achieve their dreams. Apply now and be part of a dynamic team that is making a positive impact in Kenya.
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