About the job
Ezra, a leading B2B fintech company with offices in Kenya and Dubai is seeking to employ a Credit Risk Analyst
Who is Ezra?
Ezra provides B2B digital lending solutions for emerging markets in partnership with mobile and digital wallet operators and financial service providers. Ezra supports 24 operations in 23 countries, across Africa, the Middle East and Asia. Our key office locations are in Nairobi, Kenya and Dubai, UAE.
Our flagship products are Advance Credit Service (ACS), Nano and BNPL.
ACS is an airtime or data advance offered to prepaid mobile subscribers at the point of low credit.
Nano is a micro cash advance offered to mobile wallet users on demand.
BNPL facilitates payment installments for products and services
As a FinTech company, our business is entirely technology and data driven, from determining subscriber eligibility, generating relevant offers, managing risk, loan issuance, recovery, optimising performance and reporting, reconciliation and billing.
Each day we process approximately 21M loan requests and 1.4 TB of data across our markets. This process needs to be robust, reliable and secure.
But it doesn’t end there. We’re exploring new ways of using our platform and transactional data to improve our products and develop new product opportunities.
About The Role
Responsible for the execution of the credit risk (acquisition and account management),fraud management and collections strategies relating to the specific designated digital banking Asset products within EZRA’s landscape, and across EZRA’s African, Asia Pacific and/or sub-continent footprint
Responsibilities | What you’ll do
Responsible for the execution of the credit risk (acquisition and account management), fraud management and collections strategies relating to the specific designated digital banking Asset products within EZRA’s landscape, and across EZRA’s African, Asia Pacific and/or sub-continent footprint
Work closely with the EZRA product team to ensure all aspects of the credit risk management requirement are defined and catered for within the product definition and deployment capability.
Responsible to provide reports and analysis to support and contribute to the development of the functional strategy in line with the overarching business goals
Responsible for ensuring accurate and timely reporting to enable the regular review of the functional strategy, roadmap and performance to ensure its alignment with the changing dynamics of the internal and external ecosystem.
Own and have accountability for specific portfolios, as agreed and allocated by the Head of Credit Risk, including the management of all credit risk related discussions, credit risk related forums (i.e. credit committee), strategy where it relates to said portfolios.
Key Outputs of this role
Credit Analytics & reporting design
Portfolio management, profitability assessment
Strategic implementation & Risk assessment
Requirements | What we are looking for
4-year Financial, Commerce, Statistical, Credit Risk Management (or related) Degree
Minimum of 5 years’ experience in defining, developing and deploying credit risk & collections (credit life cycle) strategies in a scalable/large scale Financial Services and/or Consumer Finance multi-country environment
Experience in data analysis and management, business performance management and/or reporting within the financial sector or banking industry
Experience working in a medium to large organisation
Experience working across global locations/ regions and have a grasp of political, social, infrastructure and integrity challenges