Credit Risk Analyst
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Oya Microcredit Ltd is seeking a full-time Credit Risk Analyst in Nairobi to assess creditworthiness, analyze financial data, monitor loan portfolios, and support prudent lending decisions. The role requires a relevant bachelor’s degree and 1–3 years of credit analysis experience, preferably in microfinance or a financial institution.
- Full-time position reporting to the Credit Risk Manager
- Analyze loan applications, cash flows, leverage, collateral, and credit risk
- Prepare credit appraisal reports and risk analysis summaries
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Oya Microcredit Ltd is seeking a full-time Credit Risk Analyst in Nairobi to assess creditworthiness, analyze financial data, monitor loan portfolios, and support prudent lending decisions. The role requires a relevant bachelor’s degree and 1–3 years of credit analysis experience, preferably in microfinance or a financial institution.
- Full-time position reporting to the Credit Risk Manager
- Analyze loan applications, cash flows, leverage, collateral, and credit risk
- Prepare credit appraisal reports and risk analysis summaries
- Monitor loan portfolios for early signs of default
- Applications deadline: 28 November 2026
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Source salary availableThe source lists Open. Confirm the final pay, benefits, contract terms and allowances directly with the employer before accepting an offer.
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 Corporate Staffing Kenya; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Plan to submit before the listed deadline: 2026-11-28.
Source and safety check
- Corporate Staffing Kenya
- Original source link available
- Application method is clear
- Deadline is available: 2026-11-28
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
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
Job Title: Credit Risk Analyst
Date Posted: 04/11/2026
Job Type: Full Time
Job Level: Middle
Employer: Oya Microcredit
Industry: Finance
Salary: Open
Location: Nairobi
Country: Kenya
Deadline: 28/11/2026
Finance Jobs, Oya Microcredit Jobs. The Credit Risk Analyst evaluates creditworthiness and mitigates risk, requiring an Accounting/Economics/Statistics Bachelor’s degree and 1–3 years credit analysis experience in microfinance or financial institutions. Full-time role in Nairobi.
Reports To: Credit Risk Manager
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.
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*