Job Description

Credit Analyst – OYA Microcredit

Location: Nairobi, Kenya
Industry: Microfinance / Financial Services
Salary: 50K Net

About the Role

Our client, OYA Microcredit, is seeking a competent and detail-oriented Credit Analyst to join their growing team. The ideal candidate will assess and appraise potential customers, analyze borrowers’ creditworthiness, and provide actionable insights to support sound lending decisions and minimize risk exposure.

Key Responsibilities

• Assess and appraise potential loan customers to determine their creditworthiness.
• Monitor loan performance, especially large loans, ensuring timely follow-up and compliance with company policies.
• Achieve periodic loan targets as set by management.
• Identify and report suspected cases of fraud promptly.
• Maintain fast and accurate loan processing and provide timely feedback to customers.
• Adhere strictly to company policies, models, and procedures.
• Maintain company property and equipment in good condition.
• Declare any funds received from third parties during official duties to supervisors.
• Promote teamwork, respect, and collaboration across departments.

Qualifications & Skills

• Bachelor’s degree in Accounts, Economics, Statistics, or a related field.
• 1–3 years of proven experience as a Credit Analyst or in a related financial role.
• Proficiency in financial software and statistical analysis tools.
• Strong understanding of legal, compliance, and market risk issues.
• Excellent analytical ability to assess cash flows, leverage, collateral, and customer strength.
• Strong communication, presentation, and interpersonal skills.
• High integrity, sound judgment, and attention to detail.

Why Join OYA Microcredit?

You’ll be part of a growing financial institution committed to empowering clients through innovative credit solutions, career development, and a culture of excellence.

How to Apply:

If you meet the above requirements, send your CV and cover letter to careers@kazicloud.co.ke with the subject line “Credit Analyst – OYA Microcredit”