Financial and Credit Risk Analyst

Kifiya is an AI-powered ecosystem technology company specializing in intelligent data-driven decisioning, financial services, digital agriculture, and smart mobility infrastructure solutions. For over a decade, we have built robust technological infrastructures and implemented transformative initiatives that address market failures. We empower MSMEs, smallholder farmers, and low- to middle-income consumers by providing access to financial services and markets. Kifiya is scaling its technology infrastructure to create a more inclusive and sustainable future in Africa.

Over the past 14 years, Kifiya has grown from a startup into a leader in digital financial services and AI-driven technology, showcasing the power of data and innovation to drive meaningful change.

Market Solutions Practice (MSP)

Kifiya’s MSP addresses market failures by leveraging four integrated infrastructures—intelligent data & decisioning, intelligent financial services, digital agriculture, and smart mobility—to enable MSMEs, SHFs, and low-to-middle-income individuals to access finance and markets. Our solutions support financial inclusion, job creation, and economic empowerment.

Program Overview: SAFEE Shared Facility

The Sustainable Access to Finance to Enable Entrepreneurship (SAFEE) program—a partnership between Kifiya and the Mastercard Foundation—establishes a $1.2 billion fund through transitional liquidity and declining guarantee mechanisms to support 477,861 youth- and women-led MSMEs. The Shared Facility provides infrastructure, tools, and analytics to Foundation partners, enabling financial institutions to access alternative credit scoring and blended capital.

About the Role

We are looking for a highly motivated and detail-oriented Financial and Credit Risk Analyst to support our financial risk assessment and portfolio monitoring activities. The ideal candidate will play a key role in tracking and analysing liquidity performance, coordinating guarantee utilization evaluating financial data, ensuring sound risk management practices and maintaining dashboards aligned with the AI-driven monitoring strategy.

Key Responsibilities

• Conduct liquidity deployment and risk assessments across various loan portfolios.
• Monitor loan performance and track provisioning classifications.
• Analyse disbursement and repayment patterns to identify trends in risk.
• Prepare financial models, dashboards, and risk reports for internal and external stakeholders.
• Recommend data-driven actions to strengthen credit quality and reduce losses.
• Assist in monitoring guarantee coverage per cycle and reporting on declining guarantee phases.
• Support the preparation of guarantee utilization summaries to inform future risk-sharing engagements.
• Support data collection and performance tracking for fund forecasting and risk-adjusted utilization dashboards.
• Support compliance with internal risk policies and external regulatory requirements.
• Collaborate with teams to ensure robust portfolio oversight.
• Contribute to process improvement initiatives in risk monitoring and financial reporting systems.

• Master’s degree in Finance, Banking, Economics, Risk Management, or a related discipline.
• Minimum 3–5 years of relevant experience in financial risk analysis or credit portfolio management.
• Strong skills in financial tracking, fund utilization reporting, and performance data synthesis
• Strong proficiency in the MS Office suite with command of Excel and financial modelling techniques.
• Familiarity with credit classification systems and provisioning standards (e.g., IFRS 9).
• Experience preparing risk dashboards and analytical reports.
• Excellent written and verbal communication skills.
• Strong attention to detail, with the ability to interpret and present complex data.