Data Analyst – Credit at Kuda

Job Overview

Kuda is recruiting a Data Analyst to support data-driven decision-making throughout the credit-product lifecycle. The analyst will contribute to product design, customer acquisition, portfolio management, collections, and profit-and-loss analysis.

The position sits within the Decision Science team and reports to the Credit Risk Analytics Lead. It combines portfolio analysis, statistical testing, credit-policy assessment and business reporting. The successful candidate will use data to identify lending risks and opportunities, evaluate credit and collections strategies, and communicate practical recommendations to senior stakeholders.

Job Details

• Employer: Kuda
• Position: Data Analyst – Credit
• Department: Data & Decisioning
• Job Type: Full Time
• Location: Lagos, Nigeria
• Work Arrangement: Hybrid
• Reports To: Credit Risk Analytics Lead
• Experience: Minimum of three years
• Application Deadline: Not specified
• Salary: Not specified

About Kuda

Kuda is a financial-technology company working to make financial services accessible, affordable and rewarding for Africans.

The company provides digital financial services that include money transfers, business banking and access to credit. Kuda states that it is backed by more than $100 million from institutional investors.

Its working culture emphasises collaboration, inclusion, continuous improvement and the development of financial products designed for African customers.

Purpose of the Role

The Data Analyst – Credit will provide analytical support across the different stages of Kuda’s credit products.

This includes reviewing how lending portfolios perform, assessing credit policies, examining approval and affordability decisions, evaluating collection strategies and developing forecasts that support commercial and risk-management decisions.

The role requires someone who can move beyond producing reports. The analyst must be able to interpret results, explain their business implications and recommend appropriate actions to relevant stakeholders.

Key Responsibilities

Credit portfolio analysis

• Analyse credit-portfolio performance to identify trends, risks and opportunities.
• Examine customer and portfolio outcomes to support lending decisions.
• Monitor relevant performance patterns across the credit lifecycle.
• Translate analytical findings into clear recommendations.

Credit policy and decision analysis

• Review and refine credit policies.
• Assess rule-based credit decision engines.
• Conduct credit-limit assignment analysis.
• Evaluate customer affordability.
• Perform score cut-off analysis to improve approval and risk strategies.

Financial forecasting

• Develop and maintain profit-and-loss forecasts.
• Use analytical findings to support strategic credit decisions.
• Present relevant performance information to decision-makers.

Collections analysis

• Monitor the performance of collection strategies.
• Analyse collection results across customer segments.
• Recommend improvements based on customer behaviour and collection outcomes.

Experimentation and reporting

• Design and run A/B tests for lending and collections strategies.
• Apply appropriate statistical tests when evaluating results.
• Develop and maintain analytical reports or dashboards from end to end.
• Communicate actionable findings and recommendations to senior stakeholders.

Required Qualifications and Experience

Applicants should have:

• An academic background in a mathematical discipline such as Mathematics, Statistics, Physics or a related field.
• At least three years of experience as a Quantitative Analyst or Data Analyst.
• Relevant experience obtained within financial services, fintech or e-commerce.
• Strong SQL skills for extracting and manipulating data.
• Hands-on experience with an open-source statistical programming language such as Python or R.
• A solid understanding of statistical tests used in A/B testing.
• Experience using statistical software packages, preferably open-source packages.
• Proven experience developing and maintaining analytical reports or dashboards from beginning to end.
• The ability to interpret analytical findings within a business context.
• Experience engaging stakeholders and making recommendations based on data.

Additional Advantage

Candidates will have an additional advantage if they understand credit-risk and portfolio-performance measurements such as:

• Annualised loss.
• Vintage curves.
• Roll rates.
• Exposure at Default.
• Loss Given Default.

These credit-risk metrics are listed as bonus knowledge rather than mandatory requirements.

Technical Skills to Demonstrate

Applicants should make the following areas easy to identify in their CV:

• SQL queries used for data extraction and manipulation.
• Python or R projects involving statistical analysis.
• Dashboards or reports developed and maintained.
• A/B tests designed, analysed or interpreted.
• Portfolio-performance analysis.
• Credit-policy or decision-engine analysis.
• Financial or profit-and-loss forecasting.
• Business recommendations produced from analytical findings.
• Presentations or reports delivered to senior stakeholders.

Where possible, describe the business question, the analysis conducted and the resulting decision or improvement. Include only figures and outcomes that can be supported during the recruitment process.

Who May Be Well Suited to This Role

The position may suit an analyst who:

• Has at least three years of relevant analytical experience.
• Is comfortable working with large or complex financial datasets.
• Can use SQL and Python or R in practical analytical work.
• Understands statistical experimentation.
• Can build reports or dashboards without relying entirely on another team.
• Can translate technical analysis into clear business recommendations.
• Has experience working with lending, credit, fintech, financial services or related transactional data.

These observations are intended to help applicants assess alignment and do not replace Kuda’s official selection requirements.

Benefits

Kuda lists the following benefits:

• A collaborative working environment with a multinational team.
• Pension.
• Career development and growth support.
• Competitive annual leave plus bank holidays.
• Paid time off, including parental, moving-day, birthday and study leave.
• Group life insurance.
• Medical insurance.
• Welfare support for occasions such as weddings and compassionate circumstances.
• Perkbox.
• Goalr employee wellness application.
• Learning and development training.
• A hybrid in-office work schedule supporting work-life balance.

No salary amount was provided in the official vacancy.

Quick Eligibility Check

Before applying, confirm that you can demonstrate:

• An academic background in Mathematics, Statistics, Physics or another related mathematical discipline.
• At least three years of relevant experience.
• Experience in financial services, fintech or e-commerce.
• Strong SQL proficiency.
• Practical knowledge of Python or R.
• Knowledge of statistical tests used in A/B testing.
• Experience producing reports or dashboards from end to end.
• The ability to present analytical insights and recommendations to business stakeholders.

Knowledge of annualised loss, vintage curves, roll rates, EAD and LGD is an added advantage.

Application Readiness Checklist

Before submitting your application:

• State the programming and analytical tools you have used.
• Describe relevant credit, risk, lending or portfolio-analysis projects.
• Include examples of dashboards or reports you developed.
• Explain how your analysis influenced a business or risk decision.
• Mention relevant experience with A/B testing.
• Make your stakeholder-management experience visible.
• Ensure that the dates in your CV demonstrate the required three years of experience.
• Confirm that the official Kuda application form remains active.

Vacancy Verification

AfriJobSpace reviewed this vacancy against Kuda’s official Workable recruitment listing. The source confirms that the position is full-time, hybrid and based in Lagos.

The official vacancy does not publish a salary or application deadline. Applicants should therefore confirm that the application form remains available before submitting their information.

Application Safety

Applications should be submitted only through Kuda’s official Workable recruitment portal. Applicants should not pay an individual or third party to process an application or guarantee employment.

How to Apply

Interested candidates should review the requirements and use the Apply for Job button on AfriJobSpace to access Kuda’s official application form.