Credit Risk Analyst

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.

This role involves evaluating credit proposals, conducting risk assessments for individual and MSME loan applicants, monitoring active lending portfolios, and ensuring adherence to credit policies across all financial products. The analyst will analyze financial documents, perform quantitative and qualitative risk analysis on loan applications to determine suitability and credit limits, track credit exposure and portfolio health, and identify early default indicators. They will also collaborate with underwriting and operations teams to enhance credit risk scoring systems and ensure strict compliance with internal credit policies, regulatory guidelines, and data protection rules.

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

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