Credit Analysts - Digital Credit

Absa Headquarters (ke)mid

Finance & AccountingCredit Analyst

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Quick Summary

Overview

Empowering Africa’s tomorrow, together…one story at a time. With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise,

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Finance & AccountingCredit Analyst

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job Summary

To effectively support the in developing strategies throughout the credit cycle including prospect targeting and acquisition, exposure management, customer marketing, collections and recovery. This also includes ensuring successful score card deployment, implementation and performance tracking, building and tracking test cases, Sampling responsibility to ensure credit quality is maintained as well as Perform portfolio quality reviews.

To support the Head of Retail Credit risk in building monthly Scheme portfolio reports, forbearance reviews, limit reviews as well as annual reviews as and when required. Additionally lead the Macroeconomics section in the department by circulating highlights in the news affecting the portfolio, monthly economic reviews, sector analysis as well as competitor analysis on the retail credit risk portfolio.

Design and development of effective credit risk management models for the mobile lending product
Design and development of application and behavioural scorecards for different products/markets portfolio
Definition of a credit strategy for each portfolio to optimize portfolio profitability
Continuous research and testing to assure effectiveness of the credit risk models and tools

Execution and maintenance of these credit risk models to optimize profit
Review and underwrite credit strategies that may require subjective input

Portfolio monitoring to identify trends and mitigation strategies to achieve target credit risk metrics
Define and manage a portfolio management strategy that assures compliance to performance metrics
Preparing monthly macro-economic reviews on the exchange rate, inflation, interest rates and other factors affecting the economic environment
Carrying out regular competitor analysis with regard to products and financials
Regularly updating the macro-economic library in view of the required Sectors intelligence and regulatory landscape
Co-related portfolio performance and macro-economic environment

Contribution to the product development to assure quality is integrated to product design
Contribute to product and process design and development to build quality at design
Contribute to Sales strategies to positively influence the target population and product uptake

Requirements

~1 min read

A Bachelor’s degree in a maths/statistics/economics/ operations research related field

Comprehensive credit skills
General commercial and industry awareness
Working knowledge of risk management policies procedures and pricing
High analytical ability
Proven excellent presentation skills

Absa Bank Kenya is an equal opportunity, affirmative action employer. Preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

***Application Deadline: 29th October 2026***

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