M-KOPA is a leading fintech and technology company that has transformed access to digital financial services across Africa. The organization provides affordable smartphones and other digital financial products to underserved customers using an innovative pay-as-you-go financing model. Through the use of advanced data analytics, artificial intelligence, and mobile technology, M-KOPA enables millions of people to access essential services, build credit histories, and improve their financial wellbeing.

Operating across several African markets including Kenya, Uganda, Nigeria, Ghana, Rwanda, and South Africa, M-KOPA continues to expand its technology-driven financial ecosystem. The company has built a strong reputation for combining financial inclusion with cutting-edge technology solutions that empower customers to participate more fully in the digital economy.

To support its continued growth and expansion across the continent, M-KOPA is currently recruiting for several strategic and technical positions across multiple departments. These roles span areas such as technology operations, data science, product development, marketing, customer operations, enterprise systems architecture, and people management.

Business Analyst – Credit Eligibility

The Business Analyst for Credit Eligibility focuses on analyzing credit evaluation frameworks and supporting improvements in lending decision systems.

Key Responsibilities

• Analyze credit eligibility systems and recommend improvements that enhance decision accuracy.
• Work closely with product, risk, and engineering teams to optimize credit processes.
• Evaluate data used in credit assessment models and ensure data quality standards are met.
• Conduct impact analyses related to changes in credit policies or scoring methodologies.
• Develop documentation for credit decision frameworks and operational procedures.
• Monitor credit performance indicators and identify opportunities for improvement.
• Support the implementation of new credit products and lending strategies.
• Conduct stakeholder consultations to ensure alignment on credit evaluation processes.
• Develop reporting dashboards that track credit portfolio performance.
• Support data-driven decision-making in credit operations.

• Analyze credit eligibility systems and recommend improvements that enhance decision accuracy.
• Work closely with product, risk, and engineering teams to optimize credit processes.
• Evaluate data used in credit assessment models and ensure data quality standards are met.
• Conduct impact analyses related to changes in credit policies or scoring methodologies.
• Develop documentation for credit decision frameworks and operational procedures.
• Monitor credit performance indicators and identify opportunities for improvement.
• Support the implementation of new credit products and lending strategies.
• Conduct stakeholder consultations to ensure alignment on credit evaluation processes.
• Develop reporting dashboards that track credit portfolio performance.
• Support data-driven decision-making in credit operations.

• Data analysis
• Credit evaluation frameworks
• Lending decision systems
• Impact analysis
• Documentation
• Reporting dashboards
• Stakeholder consultation

• Experience in analyzing credit evaluation frameworks
• Experience in supporting improvements in lending decision systems
• Ability to work closely with product, risk, and engineering teams
• Ability to evaluate data used in credit assessment models
• Ability to conduct impact analyses
• Ability to develop documentation
• Ability to monitor credit performance indicators
• Ability to support the implementation of new credit products and lending strategies
• Ability to conduct stakeholder consultations
• Ability to develop reporting dashboards
• Ability to support data-driven decision-making