Kuda, which means 'love' in Shona, is more than a fintech - it's a movement to make financial services accessible, affordable, and truly rewarding for every African.

Backed by over $100 million from some of the world's most respected investors, we're building a smarter alternative to traditional banking - offering seamless money transfers, business banking, and instant access to credit, all through your device.

At Kuda, we don't just build products - we build people. We share the love in how we collaborate, carry everyone along as we grow, break boundaries to challenge what's possible, and show up every day committed to doing better.

If you're driven by purpose, excited by impact, and ready to help redefine the future of finance in Africa, you'll feel right at home here.

Role Overview

As a Data Analyst - Credit, you are supporting the analytics throughout the credit product life cycle, from product design, to credit acquisition, portfolio management, collection and profit & loss. You will work within the Decision Science team, reporting to the Credit Risk Analytics Lead.

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
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

Bonus Points

Strong understanding of credit risk and portfolio performance metrics, including:
- Annualised loss
- Vintage curves
- Roll rates
- Exposure at Default (EAD)
- Loss Given Default (LGD)

Why join Kuda?

At Kuda, our people are the heart of our business, so we prioritise your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

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
We are advocates of work-life balance, working in a hybrid in office schedule

Kuda is proud to be an equal-opportunity employer. We value diversity and anyone seeking employment at Kuda is considered based on merit, qualifications, competence and talent.

We don't regard colour, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.

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Kuda Technologies Ltd