Data Analyst - Credit
Job Overview
Location
Lagos, Lagos, Nigeria
Employment Type
Full-time
Work Arrangement
Hybrid
Sector
Information Technology & Software
Experience Level
Mid-level (3-5 years)
Application Deadline
June 19, 2026
About the Company
Kuda is a dynamic fintech company dedicated to making financial services accessible, affordable, and rewarding for all Africans. With over $100 million in backing from prominent global investors, Kuda is revolutionizing traditional banking by offering seamless money transfers, business banking solutions, and instant credit access directly through its digital platform.
The company fosters a culture of collaboration, growth, and innovation, encouraging its team to challenge boundaries and strive for continuous improvement. Kuda is committed to building not just products, but also empowering its people. They are an equal-opportunity employer that values diversity and ensures that all employment decisions are based on merit, qualifications, competence, and talent.
Job Description
Kuda, a leading fintech innovator, is seeking a skilled Data Analyst to join its dynamic team in Lagos. This role is integral to the entire credit product lifecycle, from initial design and customer acquisition to ongoing portfolio management and collections.
You will be a key member of the Decision Science team, reporting directly to the Credit Risk Analytics Lead. Your responsibilities will include analyzing portfolio performance, refining credit policies, and developing profit and loss forecasts to guide strategic decisions. You will also conduct credit limit assignments, perform affordability assessments, and optimize collection strategies based on customer segmentation.
This hybrid role offers a fantastic opportunity to make a significant impact within a fast-growing company that is redefining financial services across Africa. If you are passionate about data and its application in the financial sector, we encourage you to apply.
To apply for this role, click the Apply button on this page and follow the instructions.
Required Skills
Key Responsibilities
- Analyze portfolio performance metrics to identify trends, risks, and opportunities.
- Review and refine credit policies, including rule-based decision engines.
- Build and maintain profit and loss forecasts to guide strategic decisions.
- Conduct credit limit assignment and affordability assessments.
- Perform score cut-off analysis to improve approval and risk strategies.
- Monitor and enhance collection strategies based on customer segmentation and outcomes.
- Design and run A/B tests to assess and optimize lending and collections performance.
- Communicate actionable insights and recommendations to senior stakeholders.
Qualifications
- Academic background in a mathematical discipline (e.g., Mathematics, Statistics, Physics, or related field).
- Minimum of 3 years' experience as a Quantitative Analyst or Data Analyst in a financial services, fintech, or e-commerce environment.
- Strong proficiency in SQL for data extraction and manipulation.
- Hands-on experience with open-source statistical programming languages such as Python or R.
- Solid understanding of statistical tests commonly used in A/B testing.
- Experience using statistical software packages (open-source preferred).
- Proven experience developing and maintaining analytical reports or dashboards from end-to-end.
- Ability to interpret and present insights from reports in a business context, including stakeholder engagement and recommendation.
- Strong understanding of credit risk and portfolio performance metrics (e.g., Annualised loss, Vintage curves, Roll rates, Exposure at Default (EAD), Loss Given Default (LGD)).
Benefits & Perks
- A great and upbeat work environment populated by a multinational team.
- Pension.
- Career Development & growth.
- Competitive annual leave plus bank holidays.
- Competitive paid time off (Parental, Moving day, Birthday, Study leave etc).
- Group life insurance.
- Medical insurance.
- Well-fare package (Wedding, Compassionate and etc).
- Perkbox.
- Goalr - employee wellness app.
- Award winning L&D training.
- Hybrid in-office schedule promoting work-life balance.
How to Apply
To apply for this role, click the Apply button on this page and follow the instructions.
Join Our Communities
The Nigerian fintech landscape is experiencing rapid expansion, driven by innovation in financial services. This role is pivotal in supporting the credit product lifecycle, from initial design through acquisition, portfolio management, and collections. You will leverage industry-standard tools like SQL, Python, or R to analyze portfolio performance, refine credit policies, and build P&L forecasts. Your work will directly influence strategic decisions, optimize credit limits, and enhance collection strategies, impacting business ROI and driving growth within Kuda's decision science team.
Posted Date
June 5, 2026
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