Credit Analysts - Digital Credit

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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.

Job Description

Key accountabilities/Deliverables/Outcomes

Accountability: Development of Risk Management Models - 20%

• 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

Accountability: Execution and Maintenance of Risk Management Models - 30%

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

Accountability: Portfolio Monitoring - 30%

• 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

Accountability: Quality Assurance - 20%

• 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

Role/person specification

Qualification

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

Experience

• 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***

Education

Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

About Us

At Absa, our story is not a single narrative. It’s thousands of individual journeys unfolding across Africa and beyond.

From colleagues serving customers in local communities to teams shaping financial solutions across borders, Absa is built on people who bring their lived experiences, ambitions and perspectives into the workplace every day. Whether you’re starting your career, a seasoned leader or somewhere in between, your contribution is seen, valued and connected to something bigger.

Our presence across Africa – which spans personal and business banking, corporate and investment banking, wealth and investment management, and insurance – exists because of the people who show up in their roles with purpose. Across Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda and Zambia, our colleagues are shaping what Absa becomes in each market.

Beyond the continent, teams in global offices and a technology hub support and extend the stories that prove that African talent can lead, influence and innovate on the global stage.

At Absa, your story matters because progress is driven by human experience, not hierarchy. When people are enabled to bring their whole selves to work, they don’t just build careers. They help shape the future of Africa’s financial services landscape.