Ezra is a financial technology company that partners with banks, MNOs, utility companies and e-commerce platforms to deliver easy and rapid credit solutions in emerging and financially underserved markets. Thanks to our expertise and unique credit scoring capabilities, we can offer a wide range of credit solutions including airtime credit, embedded financ... Credit Analyst About the role: We are seeking a highly motivated, proactive, and commercially minded Senior Credit Analyst to take a leading role within our Credit team. This position is central to enhancing our credit risk management capabilities. The successful candidate will be responsible for leading sophisticated credit analytics, driving deep portfolio insights, and playing a pivotal role in the development and refinement of our overarching credit strategy and policy framework. The Senior Credit Analyst will be instrumental in safeguarding the quality of the credit portfolio while identifying opportunities for commercially sound growth. Key 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 (delinquency, default, loss, and vintage performance) and recommend proactive actions Partner with senior stakeholders across stakeholders  to influence decision-making Drive improvements in data processes, reporting automation, and analytical frameworks Qualifications and Experience: 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 and influence outcomes 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 (beneficial) The ideal candidate is someone who: Driving measurable improvements in portfolio performance and risk management Influencing credit strategy through data-driven insights Delivering high-quality, scalable analytical solutions Elevating team capability through mentorship and process improvements Acting as a trusted advisor to business stakeholders