Credit Risk Analyst

Join Bidii Credit as a Credit Risk Analyst to safeguard our loan portfolio and drive sustainable financial growth across our Kenyan branches. We are seeking a diligent Credit Risk Analyst to evaluate credit applications, monitor portfolio performance, and implement robust risk mitigation strategies. In this role, you will collaborate closely with our branch network and executive team to balance lending outreach with sound financial prudence, ensuring compliance with regulatory standards in Kenya's dynamic financial sector.

Requirements

Bachelor’s degree in Finance, Economics, Statistics, Actuarial Science, or a related quantitative field.

Minimum of 3 years of experience in credit risk management, financial analysis, or underwriting within the banking or microfinance sector in Kenya.

Proficiency in advanced data analysis tools and financial modeling software (e.g., Excel, SQL, R, or Python).

Deep understanding of Kenyan financial regulations, CBK guidelines, and microfinance lending practices.

Strong analytical mindset with high attention to detail and ability to interpret complex financial data.

Excellent communication and interpersonal skills for working with diverse branch teams and stakeholders.

Professional certifications such as CPA (K), ACCA, or CIFA are an added advantage.

Willingness to travel periodically to Bidii Credit branches across the country for risk audits and training.

Responsibilities

Analyze credit data and financial statements of loan applicants to assess creditworthiness and repayment capacity.

Review and evaluate high-value or complex loan applications in accordance with Bidii Credit’s risk policies.

Monitor the overall credit portfolio performance and identify emerging trends, concentrations, or potential defaults.

Develop, test, and refine credit scoring models and risk assessment frameworks tailored to the Kenyan lending market.

Conduct regular portfolio audits across various branches to ensure adherence to credit policies and regulatory guidelines.

Prepare comprehensive risk reports and dashboards for senior management and the credit committee.

Collaborate with the collections and recovery teams to formulate strategies for managing non-performing loans (NPLs).