Data Analyst – Credit at Kuda digital Bank

Kuda is an app-based digital bank built to serve people across Africa and the African diaspora. Our goal is to make banking accessible, simple, and free from unnecessary charges. We help customers budget better, spend wisely, and save more.

The company has grown rapidly with strong backing from global investors. With offices in London, Lagos, and Cape Town, and more expansion plans across Africa, Kuda is shaping the future of banking for Africans everywhere.

Job Details

Job Title: Data Analyst Credit

Location: Lagos

Role Overview

The Data Analyst Credit will support analytics across the credit product lifecycle. This includes product design, customer acquisition, portfolio management, collections, and profit and loss analysis. The role sits within the Decision Science team and reports to the Credit Risk Analytics Lead.

Key Responsibilities

• Analyze credit portfolio performance to highlight trends, risks, and opportunities
• Review and optimize credit policies, including rule-based decision systems
• Build and manage profit and loss forecasts to inform business strategy
• Conduct affordability assessments and assign credit limits
• Perform score cut-off analysis to strengthen approval and risk frameworks
• Monitor and enhance collection strategies through customer segmentation
• Design and execute A/B tests to improve lending and collection outcomes
• Present insights and recommendations to senior stakeholders

Requirements

• Degree in Mathematics, Statistics, Physics, or a related quantitative discipline
• Minimum of 3 years’ experience as a Data Analyst or Quantitative Analyst in financial services, fintech, or e-commerce
• Proficiency in SQL for data extraction and analysis
• Hands-on experience with Python or R for statistical modeling
• Solid understanding of A/B testing and statistical methods
• Experience with statistical software (open-source preferred)
• Strong background in creating and maintaining analytical dashboards and reports
• Ability to interpret data findings and communicate insights in a business context

Advantageous Skills

• Knowledge of credit risk and portfolio performance metrics such as:
  • Annualised loss
  • Vintage curves
  • Roll rates
  • Exposure at Default (EAD)
  • Loss Given Default (LGD)

Application Closing Date

Not Specified