Credit Risk Analyst At Pezesha

About Pezesha
Pezesha (Meaning Financial Empowerment) is a leading Fintech startup that has created a holistic financial marketplace for MSMEs. By offering lending, financial education, and debt counselling to borrowers, plus a proprietary credit scoring system to vet MSMEs without a credit history, derisking lending to SMEs. Lower risks bring commercial banks and capital providers onto Pezesha platform. As a collaborative structure, Pezesha is helping to tackle the $19 billion financing gap for SMEs. Pezesha has been approved by CMA (Capital Markets Authority) as among the first Fintechs to participate under the CMA regulatory sandbox.
Key responsibilities:
Underwrites, tracks, analyzes, and maintains the company’s portfolio of loans issued.
Development and implementation of financial and credit risk models
Understand, manage and mitigate key elements of the company’s PAR, NPLs and any other related risks on an ongoing basis
Identifying the key financial and non-financial risks, recommending actions for mitigation of credit and enterprise risks
Manage a world class in-house credit cycle from evaluation, administration and collections to ensure efficiency, security, AML checks, and fraud control throughout the entire cycle including underwriting process
Effective communication to investors/lenders on their portfolio performance on a daily/weekly and monthly basis
Work closely with collections and acqusition teams to provide data driven approaches to improving the credit operations and repayments from borrowers.
Ensure compliance of company processes in line with set policies and standards locally and globally.
Desired Qualifications:
Excellent excel and pivot tables skills for at least 2 years
MUST HAVE: Degree in Mathematics or Statistics and/or Actuarial Science
Excellent communication and analytical skills
At least 2 years experience in risk management and financial analysis in the financial space
Problem solving ability
Works with minimal supervision
ADDED ADVANTAGE: data analytics skills, financial modelling, R, SPSS