Credit Risk Analyst

Jilipesasa, a product of Sipranda Capital, is a fintech solution dedicated to improving the financial well-being of Kenya’s blue-collar workforce. Through earned wage access (EWA) and tailored financial wellness initiatives, we enable workers to access a portion of their wages before payday—supporting liquidity without the burden of predatory debt.

As we grow and deepen our impact in Kenya’s informal and low-income markets, we are looking for a skilled Credit Risk Analyst to strengthen our credit risk frameworks, ensure compliance, and build a sustainable, data-driven lending model

The Credit Risk Analyst will play a critical role in evaluating and managing credit risk across Jilipesasa’s employer and employee ecosystem. This includes developing risk-based underwriting models, performing financial and accounting analysis, detecting fraud, and monitoring portfolio health. The ideal candidate will bring strong analytical capabilities, proficiency in tools like Excel and SQL, and a deep understanding of accounting principles to support responsible financial inclusion.

Required Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Data Science, or a related quantitative field.

• At least 3 years of experience in credit risk analysis, underwriting, accounting, or portfolio management within fintech, SACCOs, MFIs, or digital lending environments.

• Strong foundation in accounting, including understanding of loan provisioning, receivables management, and financial reporting.

• Risk Framework Knowledge – Skilled in designing employer-level underwriting and employee-level credit models for a B2B2C ecosystem. Regulatory credit risk management (FATF, AML, PEP etc.) as required by the relevant reporting authorities

• Data & Tool Proficiency – Advanced in Microsoft Excel (pivot tables, dashboards, financial models); skilled in SQL and familiar with Python/R for data querying and model building.

• EWA-Specific Modeling – Able to build real-time income volatility models, concentration risk models, and stress tests tied to shift-based or informal income flows.

• Regulatory & Compliance Expertise – Deep knowledge of CBK guidelines, data protection laws, and ESR frameworks.

• Fraud Prevention – Skilled in anomaly detection, KYC verification, and identifying payroll fraud patterns.

• Agile Collaboration – Proven ability to work cross-functionally with product, legal, compliance, BD, and customer-facing teams in fast-paced environments.

• Integrate behavioral data into decisioning models to personalize lending rules and improve risk segmentation.