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Credit Analyst at Earnipay

EarnipayLagos, Nigeria Data and Artificial Intelligence
Full Time
Earnipay enables businesses to offer employees access to their earned salaries instantly at any time without making changes to their existing payment process.

Job Role

  • As a Credit Analyst at Earnipay, you will play a crucial role in ensuring our lending operations' financial stability and growth.
  • You will be responsible for building risk assessment models, managing data and reporting, and overseeing various credit-related functions.
  • We are seeking candidates with a minimum of 4 years of experience in banking or lending fintech.
  • Data Scientists with previous experience in credit risk or credit portfolio management are also welcome to apply.


  • Risk Assessment Models: Develop, refine, and maintain risk assessment models to evaluate the risk profile of individuals or businesses seeking earned wage access and other credit products. 
  • Data Analysis: Analyze financial statements, credit reports, and other relevant data sources to make informed lending decisions.
  • Credit Policy Development: Collaborate with the senior management team to establish and update credit policies, ensuring compliance with regulatory requirements.
  • Credit Risk Models: Develop and maintain credit risk assessment models that accurately evaluate the creditworthiness of applicants and borrowers.
  • Credit Underwriting: Lead the credit underwriting process, including reviewing loan applications, conducting risk assessments, and determining appropriate loan terms and conditions.
  • Portfolio Management: Monitor the performance of the loan portfolio, identifying and mitigating potential risks and delinquencies.
  • Data and Reporting: Prepare regular reports on credit portfolio performance, delinquency rates, and other key performance indicators for senior management and regulatory authorities.
  • Compliance: Ensure compliance with all relevant laws and regulations governing lending practices.
  • Team Collaboration: Collaborate with cross-functional teams, including sales, customer success, product, and engineering, to optimize lending operations.
  • Continuous Improvement: Continuously assess and enhance credit risk assessment processes and strategies to improve lending efficiency and reduce risk.


  • Bachelor's Degree in Finance, Economics, Data Science, Business, or a related field. Master's degree or professional finance certification is a plus.
  • Minimum of 4 years of experience in credit management, risk assessment, or underwriting at a bank, microfinance institution, or fintech company.
  • Strong analytical and quantitative skills, with the ability to interpret financial data and build predictive models.
  • Knowledge of relevant regulatory requirements and lending best practices.
  • Excellent communication and interpersonal skills.
  • Proficiency in data analysis tools and software (e.g., Python, Excel, SAS, R).
  • Ability to work in a fast-paced, dynamic environment and adapt to changing business needs.
  • Strong attention to detail and a commitment to accuracy.

Must have skills:

  • Data Analysis Portfolio Management Data and Reporting Financial Analysis

Method of Application

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