Overview

Application

We are looking for an Analyst to help drive M-KOPA’s mission of building transformative lifetime financial partnerships with our customers.

''This role offers the opportunity to directly impact millions of customers' access to credit by building underwriting frameworks. You will be a member of a small team with the big responsibility of continuously improving M-KOPA’s loan offers and eligibility criteria in order to drive growth while managing credit losses and margins. You'll work cross-functionally with engineers, data scientists, other analysts, growth managers, and commercial stakeholders across multiple countries.''

About Us

We're building the future of financial inclusion, and data-driven decision making is at the heart of our mission. Our team combines analytical rigor with deep market understanding to develop loan eligibility and pricing for customers who have traditionally been excluded from formal financial services.

We foster a low-ego environment where diversity, innovation, and collaboration drive both commercial growth and social impact. You'll be empowered to make data-driven decisions and clear cases for prioritization of solutions in a domain that you have a high degree of ownership over.

You'll be joining a newly established team that's rapidly expanding our credit and underwriting capabilities. We are looking for someone who loves analyzing complex data and solving challenging, ambiguous data problems — if that sounds like you, you might be a fit!

In this role, you would be responsible for:

• Analyzing M-KOPA's repayments data and other data sources to continuously improve our loan eligibility criteria while managing credit risk
• Refining loan pricing based on credit analysis and customer behavior
• Testing new types of loans to understand customer demand and credit performance
• Monitoring credit performance to detect risk shifts and quantify margin impact
• Testing the predictiveness of new data sets for the purposes of eligibility criteria
• Using Python, SQL, and other tools for data analysis to drive insights
• Working with data scientists to leverage machine learning models as part of loan eligibility decisions

This role can be remote or hybrid, but candidates must be located within our time zones (UTC -1 to UTC+3) to ensure effective collaboration with teams across our multiple locations.

Your application should demonstrate:

• Several years in roles with significant analytical components
• Strong statistical modeling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data
• Fluency in Python, SQL, and other relevant tools for data analysis
• Experience translating complex data insights into actionable business strategies
• Ability to work cross-functionally with product, engineering, and commercial teams
• Strong data communication skills — written, oral, and visual
• Strong interpersonal and collaboration skills
• (Nice to have) Experience in credit, underwriting, or lending analytics

• Analyzing M-KOPA's repayments data and other data sources to continuously improve our loan eligibility criteria while managing credit risk
• Refining loan pricing based on credit analysis and customer behavior
• Testing new types of loans to understand customer demand and credit performance
• Monitoring credit performance to detect risk shifts and quantify margin impact
• Testing the predictiveness of new data sets for the purposes of eligibility criteria
• Using Python, SQL, and other tools for data analysis to drive insights
• Working with data scientists to leverage machine learning models as part of loan eligibility decisions

• Python
• SQL
• Statistical modeling
• Quantitative analysis
• Data analysis
• Data communication
• Interpersonal and collaboration skills

• Several years in roles with significant analytical components
• Strong statistical modeling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data
• Fluency in Python, SQL, and other relevant tools for data analysis
• Experience translating complex data insights into actionable business strategies
• Ability to work cross-functionally with product, engineering, and commercial teams
• Strong data communication skills — written, oral, and visual
• Strong interpersonal and collaboration skills
• (Nice to have) Experience in credit, underwriting, or lending analytics