Senior Credit Analyst

Responsibilities

• Lead analysis of consumer credit portfolios, identifying key risk drivers and performance trends
• Design, optimize, and oversee complex SQL queries and analytical workflows
• Translate data insights into actionable recommendations for underwriting strategy and credit policy
• Develop, refine, and validate credit rules, scorecards, and segmentation strategies
• Monitor portfolio health including delinquency, default, loss, and vintage performance
• Partner with senior stakeholders to influence decision-making
• Drive improvements in data processes, reporting automation, and analytical frameworks

Requirements

• Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
• 4–7+ years of experience in credit risk, analytics, or lending environments
• Strong understanding of credit risk modeling, portfolio analytics, and policy design
• Advanced SQL proficiency and experience working with large datasets
• Proven ability to independently manage analytical projects
• Strong communication and stakeholder management skills
• Professional proficiency in English

Preferred Qualifications

• Experience in fintech or digital lending environments
• Proficiency in Python or R for data analysis or modeling
• Experience with credit scorecards or risk model development
• Familiarity with regulatory frameworks in consumer lending
• French language skills

About the Company

Ezra provides B2B digital lending solutions for emerging markets in partnership with mobile and digital wallet operators and financial service providers. Our flagship products include Airtime Credit Services, Nano, and BNPL.