Specialist - Credit Innovation Analyst

Empowering Africa’s tomorrow, together…one story at a time.

Job Summary

As a Credit Innovation Analyst, you will play a key role in supporting the design, enhancement, and implementation of innovative credit solutions within the Credit Innovation team. You will leverage data-driven insights, process analysis, and customer journey understanding to contribute towards scalable, customer-centric credit capabilities across the retail lending value chain.
The role involves close collaboration with Risk, Technology, Operations, Analytics, and Business teams to support the delivery of solutions that are operationally efficient, commercially viable, compliant, and aligned to strategic business objective

Job Description

Product Strategy & Execution

• Support the development and execution of credit innovation initiatives aligned to business and customer strategy.
• Analyse customer, operational, and credit performance data to identify improvement and innovation opportunities
• Monitor product and process performance to identify optimisation opportunities and support continuous improvement initiatives

Data Analysis & Insight Generation

• Perform advanced data analysis on customer behavior, product performance, and credit risk metrics.
• Develop dashboards, reports, and visualizations to support product development and strategic decision-making.
• Identify trends, patterns, and anomalies in credit data to inform product enhancements and innovation opportunities.

Innovation & Market Insight

• Conduct market research, competitor benchmarking, and customer analysis
• Identify opportunities to enhance credit products and customer journeys
• Monitor industry trends across credit, fintech, and digital innovation

Product Performance Monitoring

• Track and report on key product KPIs including uptake, usage, delinquency, and profitability.
• Conduct post-launch analysis to assess the impact of new features or changes.
• Support A/B testing and experimentation initiatives with robust data analysis.

Operational & Delivery Support

• Assist in defining data requirements for new product features and enhancements.
• Work with technology and data engineering teams to ensure data availability and quality.
• Support Agile delivery processes by providing timely analytical input during sprints.

Stakeholder Engagement

• Present findings and recommendations to internal stakeholders in a clear, actionable format.
• Collaborate with Risk, Compliance, Finance, and Product teams to ensure alignment on data-driven decisions.

Ideal Candidate Profile:

Qualifications & Experience

• Bachelor’s degree in Data Science, Statistics, Economics, Finance, or related field.
• 4 - 6 years of experience in data analysis, preferably within financial services or credit risk.
• Proficiency in data tools such as SQL, Python, R, Excel, and visualization platforms (e.g., Power BI, Tableau).
• Exposure to Agile product development and innovation environments is a plus.

Core Competencies

• Strategic thinking and innovation
• Strong analytical and problem-solving skills.
• Data-driven decision making
• Ability to translate complex data into clear business insights.
• Excellent communication and stakeholder engagement abilities.
• Curious, detail-oriented, and proactive in identifying opportunities.

Technical & Professional Skills

• Data Wrangling & Visualization, Statistical Analysis, Credit Risk Metrics, Business Intelligence Tools, A/B Testing, Customer Segmentation, Agile Fundamentals.

Behavioral Competencies

• Communicates Effectively, Collaborates, Action-Oriented, Plans and Aligns, Tech Savvy, Manages Ambiguity, Resourcefulness.

Why Join This Team

Join a high-impact function at the forefront of credit innovation, where you will contribute to shaping next-generation lending solutions and driving meaningful business and customer outcomes.

Education