Company Overview
Kuda (Kuda Technologies / Kuda Microfinance Bank) is a leading Nigerian digital bank and fintech company founded in 2019 by Babs Ogundeyi and Musty Mustapha (originally launched as Kudimoney). Headquartered with operations in Lagos and a parent entity in London, it operates under a national microfinance banking license from the Central Bank of Nigeria and serves over 7–8 million customers with fee-free or low-cost digital banking services. Through its mobile app, Kuda offers personal and business accounts, free transfers, debit cards, savings products with competitive interest rates, overdrafts, loans, bill payments, investments, and tools tailored for individuals and SMEs, with a mission to make banking more accessible, affordable, and rewarding.
Kuda is recruiting to fill the position below:
Job Title: Senior Data Analyst
Location: Lagos
Salary Offer: (NGN) – 0 / Monthly
Role Overview
- As a Senior Data Analyst – Credit, you are supporting the analytics throughout the credit product life cycle, from product design, to credit acquisition, portfolio management, collection and profit & loss.
- You will work within the Decision Science team, reporting to the Credit Risk Analytics Lead.
Key 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
Requirements
- Academic background in a mathematical discipline (e.g. Mathematics, Statistics, Physics, or related field)
- Minimum of 5 years’ experience as a Quantitative Analyst or Data Analyst in a financial services, fintech or e-commerce environment
- Strong proficiency in SQL for data extraction and manipulation
- Hands-on experience with open-source statistical programming languages such as Python or R
- Solid understanding of statistical tests commonly used in A/B testing
- Experience using statistical software packages (open-source preferred)
- Proven experience developing and maintaining analytical reports or dashboards from end-to-end
- Ability to interpret and present insights from reports in a business context, including stakeholder engagement and recommendation.
Advantageous
Strong understanding of credit risk and portfolio performance metrics, including:
- Annualised loss
- Vintage curves
- Roll rates
- Exposure at Default (EAD)
- Loss Given Default (LGD).
Application Closing Date
Not Specified.
How to Apply
Interested and qualified candidates should:
Click here to apply online
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