Credit Analyst
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Industry Consulting Founded N / A Type Private Website https://www.peoplelink.co.ke/ Address
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Responsibilities
- Review installment applications, verify identity documents, conduct authorized IPRS and CRB checks, analyze M-Pesa statements, and recommend approvals or rejections according to credit policy.
- Identify suspicious submissions, duplicate applications, identity inconsistencies, potential promoter-customer collusion, and flag high-risk cases for escalation.
- Maintain approval criteria and risk parameters within the system, document rejection reasons, and recommend policy adjustments based on repayment trends.
- Monitor first-payment defaults, analyze repayment trends across shops and customer segments, and prepare weekly credit risk reports.
- Maintain secure and confidential credit records, handle personal financial data responsibly, and ensure compliance with privacy laws and internal audits.
Requirements
- Bachelor's degree in Finance, Economics, Business Administration, Accounting, or a related field.
- 2-4 years of experience in credit assessment, consumer lending, digital lending, phone financing, or microfinance.
- Practical knowledge of CRB checks, identity verification, and customer financial/repayment analysis.
- Previous experience in fraud detection is an added advantage.
- Strong command of English and Kiswahili.
- Proficient in spreadsheets and reporting too