Data Analyst - Credit
Kuda · Decision Science team
- Data Analyst
- Lagos
- Full-time
- 3+ years
At a glance
About the company
Kuda describes itself as a digital bank for Africans, offering money transfers, business banking and instant credit through its app. It says it is backed by over $100 million from investors. Its Nigerian banking services are offered by Kuda Microfinance Bank, licensed by the CBN, from an office in Yaba, Lagos.
Description
You join Kuda's Decision Science team, reporting to the Credit Risk Analytics Lead, and support analytics across the whole credit product, from design to collections. You will:
- Track loan portfolio performance and spot trends, risks and opportunities
- Review and improve credit policies and the rules in the credit decision engine
- Build and update profit and loss forecasts for the credit business
- Run credit limit, affordability and score cut-off analysis
- Improve collection strategies using customer segments and results
- Design and run A/B tests on lending and collections, then present the findings to senior leaders
Qualifications & Skills
Must have 6
- A degree in mathematics, statistics, physics or a related field
- 3+ years as a data or quantitative analyst in financial services, fintech or e-commerce
- Strong SQL
- Hands-on Python or R
- A solid grasp of the statistical tests used in A/B testing
- Experience building reports or dashboards end to end, and presenting what they mean
Nice to have 1
- Knowledge of credit risk metrics such as annualised loss, vintage curves, roll rates, EAD and LGD
How to stand out for this job
Written by our team from the employer's post. Work through it in order, then apply.
1What they actually want
Our plain-words read of this job. It explains the job, not the employer's own words.
Kuda lends money through its app, and this job helps decide who gets credit, how much they get, and how the bank collects it back. Most weeks you will watch how the loan book is performing, look at repayment by group of borrowers, and test whether a change to the credit rules or score cut-off makes things better or worse. You will also keep a profit and loss forecast for the lending business and run A/B tests on things like collection strategies. The Decision Science team uses your findings to shape credit policy.
They ask for three or more years as a data or quantitative analyst in finance, fintech or e-commerce, with a mathematics-based degree. SQL and Python or R are the daily tools, and you must understand the statistics behind an A/B test. Credit metrics such as roll rates and vintage curves are a bonus rather than a must, so a strong analyst from e-commerce can still apply. To stand out, show a test or analysis you ran from start to finish, and the decision it changed.
2Words to use in your CV
Use the words that are true for you. The dark ones matter most for this job.
- credit analytics
- portfolio performance
- credit policy
- decision engine
- A/B testing
- SQL
- Python
- R
- P&L forecasting
- affordability
- score cut-off
- collections strategy
- vintage analysis
- roll rates
- stakeholder engagement
4Tailor your portfolio
Make a copy of your portfolio for this job and lead with these three projects. Give the problem, the data, the tools and the result as a number.
- 01
A loan vintage analysis
Loans grouped by month of issue, with charts showing how each group repays over time.
- 02
An A/B test write-up
A test on a public or made-up data set, with the hypothesis, sample size, significance test and the decision.
- 03
A credit P&L forecast
A simple forecast of interest income, losses and costs for a loan product, with your assumptions.
3Tailor your CV
- Headline“Credit Data Analyst | SQL, Python, A/B Testing”
- Lead with testsPut the A/B tests you designed first, with the sample size and the result.
- Show credit contextMention any loan, BNPL or payments data you analysed, and the metrics you tracked.
- Show forecastingName a profit and loss or volume forecast you built and kept up to date.
- Show influenceGive one recommendation of yours that senior leaders adopted.
BeforeAnalysed customer data and prepared reports.
AfterRan an A/B test on loan repayment reminders for 40,000 borrowers that raised on-time repayment by 9%.
Example only. Use your own real numbers.
5Learn the missing skill
SQL and Python for Data Analysis
Live cohort · Starts 4 Nov 2026
₦200,000 or 4 × ₦50,000
6Before you apply
Apply on Kuda's careers page
You'll leave Exalda. Your application goes straight to the employer, and we never charge you to apply.
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