OYA Microcredit is the leading lending platform for micro and small businesses in fast growing African economies. Incorporated in Mauritius, OYA Micro-credit provides access to working capital and small asset financing solutions of up to $3,000 to help micro and small business owners meet their every day business needs. With a growing presence across the ...

Role Summary

The Credit Risk Analyst evaluates credit proposals, performs risk assessments on individual and MSME loan applicants, monitors active lending portfolios, and enforces credit policy compliance across all financial products.

Key Responsibilities

• Analyze credit reports, financial statements, bank statements, and business documentation to evaluate creditworthiness.
• Perform qualitative and quantitative risk analysis on loan applications to determine approval suitability and credit caps.
• Monitor credit exposure, track loan portfolio health, and flag early default indicators.
• Collaborate with underwriting and operations teams to optimize credit risk scoring systems.
• Ensure strict compliance with internal credit policies, regulatory guidelines, and data protection rules.

Key Qualifications & Requirements

• Bachelor’s degree in Finance, Economics, Statistics, Actuarial Science, or related field.
• Minimum of 3 years' experience in credit risk evaluation within microfinance, banking, or fintech sectors.
• Strong proficiency in financial analysis, credit scoring software, and data management tools.
• Excellent analytical, problem-solving, and communication skills.

• Analyze credit reports, financial statements, bank statements, and business documentation to evaluate creditworthiness.
• Perform qualitative and quantitative risk analysis on loan applications to determine approval suitability and credit caps.
• Monitor credit exposure, track loan portfolio health, and flag early default indicators.
• Collaborate with underwriting and operations teams to optimize credit risk scoring systems.
• Ensure strict compliance with internal credit policies, regulatory guidelines, and data protection rules.

• Financial analysis
• Credit scoring software
• Data management tools
• Analytical skills
• Problem-solving skills
• Communication skills

• Bachelor’s degree in Finance, Economics, Statistics, Actuarial Science, or related field.
• Minimum of 3 years' experience in credit risk evaluation within microfinance, banking, or fintech sectors.