Credit Risk Analyst
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Oya Microcredit Ltd is hiring a Credit Risk Analyst in Nairobi to assess loan applicants, evaluate financial risk, monitor loan portfolios, and support prudent lending decisions. The role requires a relevant bachelor’s degree, 1–3 years of credit analysis experience, and strong financial and statistical analysis skills.
- Full-time role reporting to the Credit Risk Manager
- Analyze loan applications, cash flows, leverage, and collateral adequacy
- Monitor loan portfolios and identify early warning signs of default
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Oya Microcredit Ltd is hiring a Credit Risk Analyst in Nairobi to assess loan applicants, evaluate financial risk, monitor loan portfolios, and support prudent lending decisions. The role requires a relevant bachelor’s degree, 1–3 years of credit analysis experience, and strong financial and statistical analysis skills.
- Full-time role reporting to the Credit Risk Manager
- Analyze loan applications, cash flows, leverage, and collateral adequacy
- Monitor loan portfolios and identify early warning signs of default
- Prepare credit appraisal reports and risk analysis summaries
- Work with Credit, Sales, Collections, and Compliance teams
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- Required1+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in sales, call_center, internshipThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in NairobiThe vacancy is associated with this location.
- UnclearComfort with the Full Time contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Credit Risk Analyst evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Oya Microcredit Ltd and the role in Nairobi.
- Add concrete examples related to sales, call_center, internship, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from BrighterMonday Kenya; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
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- Deadline not specified
- No major risk signal was detected in the captured text.
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Interview preparation
- What experience makes you a strong fit for this Credit Risk Analyst role in sales, call_center?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Nairobi under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Oya Microcredit Ltd before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
Credit Risk Analyst
Oya Microcredit Limited
Accounting, Auditing & Finance
Today
Easy apply
New
Nairobi
Full Time
Banking, Finance & Insurance
Confidential
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Job summary
Oya Microcredit Ltd is a fast-growing microfinance institution committed to providing accessible and customer-focused financial solutions to individuals and SMEs. We pride ourselves on professionalism, integrity, and delivering exceptional customer service.
Min Qualification:
Bachelors
Experience Level:
Mid level
Experience Length:
3 years
Language Requirement:
English
Work Type:
Full Time
Working Hours:
8 to 5
Applicant Location:
Kenya
Job descriptions & requirements
Company: Oya Microcredit Ltd
Location: Nairobi
Employment Type: Full-Time
Reports To: Credit Risk Manager
The Credit Risk Analyst will be responsible for assessing creditworthiness, analyzing financial data, evaluating risk exposure, and providing recommendations that support prudent lending decisions in line with company policies and regulatory requirements.
Key Responsibilities
- • Analyze loan applications and assess clients’ creditworthiness.
- • Evaluate financial statements, cash flows, leverage ratios, and collateral adequacy.
- • Conduct risk assessments and recommend appropriate credit limits and terms.
- • Monitor existing loan portfolios and identify early warning signs of default.
- • Prepare detailed credit appraisal reports and risk analysis summaries.
- • Ensure compliance with internal credit policies and regulatory requirements.
- • Keep up to date with legal, compliance, and market risk developments.
- • Support the development and improvement of credit scoring models and risk frameworks.
- • Present risk findings and recommendations to management clearly and professionally.
- • Work closely with Credit, Sales, Collections, and Compliance teams to manage portfolio risk.
- Qualifications & Requirements
- • Bachelor of Science degree in Accounts, Economics, Statistics, or a related field.
- • Proven working experience of 1–3 years as a Credit Analyst, preferably in a microfinance or financial institution.
- • Proficiency in statistical packages and financial software.
- • Strong ability to analyze cash flows, leverage, collateral structures, and overall customer financial strength.
- • Up to date with legal, compliance, and market risk-related issues.
- • Excellent analytical and quantitative skills.
- • Strong communication and presentation skills.
- • Demonstrated sound judgment and decision-making ability.
- • High level of integrity, accuracy, and attention to detail.
- Key Competencies
- • Risk assessment and mitigation
- • Financial modeling and analysis
- • Portfolio monitoring
- • Regulatory awareness • Problem-solving skills
- • Professional skepticism and independent thinking
- **Female candidates are encouraged to apply*
- About Oya Microcredit Limited
- Oya Microcredit Limited is a reputable financial institution based in Kenya, dedicated to providing accessible and affordable financial services to individuals and small businesses. As a customer-centric organization, Oya Microcredit Limited aims to empower its clients by offering a range of financial products and services tailored to meet their specific needs.
- With a strong commitment to financial inclusion, Oya Microcredit Limited has helped thousands of individuals and businesses access the funds they need to grow and prosper. The company's innovative approach to microfinance has earned it a reputation as a leader in the industry, known for its transparency, reliability, and customer service.
- At Oya Microcredit Limited, we believe in the power of financial empowerment to transform lives and communities. Join us in our mission to create a financially inclusive society where everyone has the opportunity to achieve their dreams. Apply now and be part of a dynamic team that is making a positive impact in Kenya.
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