Senior Credit Risk Analyst

About the role

We are seeking a Senior Credit Risk Analyst to join our Mauritius hub, supporting the group’s digital lending and buy‑now‑pay‑later businesses. You will transform large volumes of customer, transaction and bureau data into actionable credit decisions that influence loan approvals, pricing, limits and collection strategies.

Key responsibilities

• Analyse portfolio performance across the credit lifecycle – origination, limit management, arrears, collections and write‑off – and identify drivers of change.
• Build and maintain vintage, roll‑rate, flow‑rate and cohort analyses, tracking leading indicators of credit deterioration.
• Support development, calibration and monitoring of application and behavioural scorecards, affordability rules and credit policy cut‑offs.
• Design and evaluate champion/challenger tests on credit strategies, quantifying risk‑versus‑volume trade‑offs.
• Produce and automate credit risk reporting and dashboards for management, risk committees, regulators and funders.
• Contribute to IFRS 9 provisioning inputs, including PD, LGD, EAD analysis and staging assumptions.
• Investigate data quality issues and collaborate with data engineering to improve risk data pipelines.
• Partner with Credit, Collections, Product, Finance and Data Science teams across Mauritius and South Africa, translating technical findings into actionable recommendations.
• Mentor junior analysts and raise analytical rigour, documentation and peer‑review standards.

Required profile

• At least 5 years of experience in credit risk, data analytics or a comparable quantitative role, preferably in consumer lending, banking, fintech or financial services.
• Completed degree in a numerate discipline such as Statistics, Mathematics, Actuarial Science, Economics, Finance, Data Science, Engineering or Computer Science.

Required skills

• SQL for data extraction and analysis.
• Advanced Excel (complex formulas, data modelling).