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Kuda Technologies

digital banking app offering free services

Data Analyst - Credit

Data ScienceConfirmed live in the last 24 hours
Full-timeLagos, NigeriaNo salary listed

About the Job

Requirements

  • Have an academic background in a mathematical discipline, such as Mathematics, Statistics, Physics, or a related field.
  • Have at least three years of experience as a Quantitative Analyst or Data Analyst in financial services, fintech, or e-commerce.
  • Demonstrate strong proficiency in SQL for data extraction and manipulation.
  • Have hands-on experience with open-source statistical programming languages such as Python or R.
  • Understand statistical tests commonly used in A/B testing.
  • Have experience using statistical software packages, preferably open-source packages.
  • Have proven experience developing and maintaining analytical reports or dashboards end to end.
  • Be able to interpret and present insights from reports in a business context, engage stakeholders, and make recommendations.

Responsibilities

  • Analyze portfolio performance metrics to identify trends, risks, and opportunities.
  • Review and refine credit policies, including rule-based decision engines.
  • Build and maintain profit and loss forecasts to guide strategic decisions.
  • Conduct credit limit assignment and affordability assessments.
  • Perform score cut-off analysis to improve approval and risk strategies.
  • Monitor and enhance collection strategies based on customer segmentation and outcomes.
  • Design and run A/B tests to assess and optimize lending and collections performance.
  • Communicate actionable insights and recommendations to senior stakeholders.

Desired Qualifications

  • Have a strong understanding of credit risk and portfolio performance metrics, including annualised loss, vintage curves, roll rates, Exposure at Default (EAD), and Loss Given Default (LGD).

About the Company

Kuda Technologies

digital banking app offering free services

Kuda Technologies offers a Nigeria-based digital banking platform (via a mobile app) that provides cashless payments, bill payments, gift card purchases, and a Visa debit card available with pickup or delivery. Users sign up in the app and perform banking tasks directly on their phone, including automated savings that set aside a portion of spending, plus security controls like blocking a missing debit card. The service stands out by promising free banking with charges only by user consent and earning revenue from card maintenance and bill payment fees, along with a simple, mobile-first experience. Its goal is to deliver a convenient, affordable, and secure digital banking experience tailored for digitally savvy Nigerians while helping users grow their savings.

Company size
501-1,000
Company stage
Late Stage VC
Total funding
$106.6M
Headquarters
London, United Kingdom
Founded
2019

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