Associate Credit Analyst
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Key skills for this role
About the Role
Ezra is seeking a Credit Analyst to support credit risk management through analytics, portfolio monitoring, and data-driven decision-making. The role requires 2-4 years of experience in credit risk or analytics, proficiency in SQL, and a strong analytical mindset.
Key Skills for This Role
Responsibilities
- Analyze consumer credit data to support underwriting and portfolio monitoring
- Develop and maintain SQL queries for recurring and ad hoc analysis
- Produce regular reports and dashboards on portfolio performance (e.g., delinquency, roll rates, loss metrics)
- Conduct exploratory data analysis to identify trends, anomalies, and emerging risk indicators
- Monitor performance of existing credit policies, rules, and scorecards, and flag issues or opportunities
- Collaborate with Risk, Product, Finance, and IT teams to support data and reporting needs
- Ensure data accuracy, integrity, and compliance with internal standards and regulatory requirements
Requirements
- Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
- 2–4 years of experience in credit risk, analytics, or a similar role
- Solid understanding of credit risk principles (credit scoring, underwriting, delinquency and loss metrics)
- Proficiency in SQL (joins, aggregations, and query structuring)
- Experience working with structured datasets and performing data analysis
- Strong analytical thinking and attention to detail
- Professional proficiency in English
Full Job Posting
About The Role
- We are seeking a highly analytical, detail oriented, and proactive Credit Analyst to join our team. This pivotal role is essential for bolstering our credit risk management framework by providing robust support for credit analytics, ongoing portfolio monitoring, and data driven strategic decision ma
Key Responsibilities
- Analyze consumer credit data to support underwriting and portfolio monitoring
- Develop and maintain SQL queries for recurring and ad hoc analysis
- Produce regular reports and dashboards on portfolio performance (e.g., delinquency, roll rates, loss metrics)
- Conduct exploratory data analysis to identify trends, anomalies, and emerging risk indicators
- Monitor performance of existing credit policies, rules, and scorecards, and flag issues or opportunities
- Collaborate with Risk, Product, Finance, and IT teams to support data and reporting needs
- Ensure data accuracy, integrity, and compliance with internal standards and regulatory requirements
Qualifications And Experience
- Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
- 2–4 years of experience in credit risk, analytics, or a similar role
- Solid understanding of credit risk principles (credit scoring, underwriting, delinquency and loss metrics)
- Proficiency in SQL (joins, aggregations, and query structuring)
- Experience working with structured datasets and performing data analysis
- Strong analytical thinking and attention to detail
- Professional proficiency in English
Preferred Qualifications
- Experience in financial services, fintech, or lending environments
- Familiarity with data visualization tools (e.g., Tableau, Power BI)
- Working knowledge of Python, R, or advanced Excel
- French Language Skills (beneficial)
Company Overview
- Ezra provides B2B digital lending solutions for emerging markets in partnership with mobile and digital wallet operators and financial service providers. Ezra supports 24 operations in 23 countries, across Africa, the Middle East and Asia.
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