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 OverviewAs 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 opportunitiesReview and refine credit policies, including rule-based decision enginesBuild and maintain profit and loss forecasts to guide strategic decisionsConduct credit limit assignment and affordability assessmentsPerform score cut-off analysis to improve approval and risk strategiesMonitor and enhance collection strategies based on customer segmentation and outcomesDesign and run A/B tests to assess and optimize lending and collections performanceCommunicate actionable insights and recommendations to senior stakeholdersRequirementsAcademic 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 environmentStrong proficiency in SQL for data extraction and manipulationHands-on experience with open-source statistical programming languages such as Python or RSolid understanding of statistical tests commonly used in A/B testingExperience using statistical software packages (open-source preferred)Proven experience developing and maintaining analytical reports or dashboards from end-to-endAbility to interpret and present insights from reports in a business context, including stakeholder engagement and recommendationBonus PointsStrong understanding of credit risk and portfolio performance metrics, including:Annualised lossVintage curvesRoll ratesExposure at Default (EAD)Loss Given Default (LGD)BenefitsWhy 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 scheduleKuda 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.
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
Requirements
- 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)
Benefits
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.
A few years ago, a small team of people determined to transform banking launched a savings app for Nigerians. That app was the first step toward Kuda.Kuda is a full-service digital bank. Our mission is to make banking accessible, affordable and rewarding for all Africans. Kuda is free of ridiculous banking charges and great at helping customers budget, spend smartly and save more. We raised the largest seed round recorded in Africa, and completed Series B funding round in 2021, led by some of the world's most respected institutional investors.We’re a lively, diverse, and collaborative international Tribe, with offices in London (our HQ), Lagos and Cape Town (with more locations soon to be announced). We are growing rapidly and fast becoming a recognised leading challenger bank for Africans.Learning opportunities, a clear career development path and cool company socials, are just a few of the benefits you’ll enjoy as a member of the Tribe.
A few years ago, a small team of people determined to transform banking launched a savings app for Nigerians. That app was the first step toward Kuda.
Kuda is a full-service digital bank. Our mission is to make banking accessible, affordable and rewarding for all Africans. Kuda is free of ridiculous banking charges and great at helping customers budget, spend smartly and save more. We raised the largest seed round recorded in Africa, and completed Series B funding round in 2021, led by some of the world's most respected institutional investors.
We’re a lively, diverse, and collaborative international Tribe, with offices in London (our HQ), Lagos and Cape Town (with more locations soon to be announced). We are growing rapidly and fast becoming a recognised leading challenger bank for Africans.
Learning opportunities, a clear career development path and cool company socials, are just a few of the benefits you’ll enjoy as a member of the Tribe.
