Credit Analyst

Job Summary:

We are seeking a highly analytical, customer-obsessed, and commercially minded Credit Analyst to join our growing FinTech organization. The ideal candidate will play a critical role in evaluating creditworthiness, developing risk assessment frameworks, analyzing customer financial behavior, and supporting data-driven lending decisions.

The ideal and successful candidate must possess strong analytical and problem-solving skills, be commercially aware and growth-oriented, naturally curious and innovative, comfortable working with large datasets, passionate about leveraging technology to improve lending outcomes, demonstrates creativity in risk assessment, able to make sound credit decisions under pressure, and leverage data, technology, and alternative credit scoring methodologies to optimize portfolio performance while ensuring exceptional customer experience.

This role requires an individual who can balance risk management with business growth objectives, using advanced analytical tools and insights to drive responsible lending decisions.

Job summary;

The details below represent the minimum requirements and expectations

Credit Risk Assessment & Underwriting

Analyze loan applications and assess customer creditworthiness using both traditional and alternative data sources.

Conduct detailed reviews of customer financial profiles, bank statements, credit bureau reports, transaction history, and behavioral data.

Evaluate affordability, repayment capacity, and overall risk exposure.

Make informed lending recommendations in line with approved credit policies.

Identify and escalate potentially fraudulent or high-risk applications.

Support the development and refinement of credit scoring models and underwriting criteria.

Qualifications, Education & Experience Requirements

Bachelor's Degree in Finance, Economics, Statistics, Mathematics, Accounting, Data Science, Business Administration, or related discipline.

Professional certifications are an added advantage, - e.g. Certified Risk Analyst (CRA) or Credit Risk Certification (CRC), Financial Risk Manager (FRM), ACCA, ACA, or equivalent

Minimum of 3–5 years of experience in Credit Analysis, Lending Operations, Risk Management, or Financial Analysis

Age range: 25-30 years

Prior experience in a FinTech, Digital Lending, Microfinance Bank, Commercial Bank, or Financial Services institution is highly preferred.

Demonstrated experience using data analytics tools to drive lending decisions.

Experience working with digital lending products and alternative credit assessment models.

This role is critical to ensuring sustainable portfolio growth, effective risk management, and exceptional customer outcomes within a fast-growing FinTech environment.

Qualified candidates should send their updated resume to hello@primehubhr.com using the