Financial and Credit Risk Analyst

Job Title: Financial and Credit Risk Analyst
Company: Kifiya Financial Technologies
Location: Addis Ababa, Ethiopia

About the Company:
Kifiya is a leading AI-powered ecosystem technology company delivering intelligent, data-driven solutions in financial services, agriculture, and mobility. For over 14 years, Kifiya has empowered MSMEs, smallholder farmers, and low- to middle-income consumers through inclusive digital services. The company is now scaling its infrastructure to further impact financial inclusion and economic empowerment in Africa.

Program Overview – SAFEE Shared Facility:
The Sustainable Access to Finance to Enable Entrepreneurship (SAFEE) program, in partnership with the Mastercard Foundation, aims to deploy $1.2 billion in support of nearly 478,000 youth- and women-led MSMEs through transitional liquidity and guarantee mechanisms.

About the Role:
Kifiya is hiring a Financial and Credit Risk Analyst to enhance its portfolio monitoring and risk assessment efforts. The analyst will play a vital role in financial modelling, liquidity tracking, and ensuring robust credit risk management aligned with Kifiya’s AI-driven systems.

Key Responsibilities:

• Conduct liquidity deployment analysis and assess risk across loan portfolios

• Monitor loan performance and provisioning status

• Track disbursement and repayment trends to detect early risk signals

• Build financial models and dashboards to report insights to stakeholders

• Recommend actions to enhance credit quality and minimize defaults

• Monitor guarantee utilization and generate risk summaries

• Support performance tracking for fund forecasting and utilization analysis

• Ensure compliance with risk policies and regulatory standards

• Collaborate across teams to strengthen portfolio oversight and reporting

• Drive improvements in risk monitoring and reporting processes

About You

Education:

• Master’s degree in Finance, Economics, Banking, Risk Management, or related fields

Experience:

• 3–5 years of experience in financial risk analysis or credit portfolio management

Skills and Competencies:

• Proficiency in financial modelling, Excel, and the MS Office suite

• Experience with IFRS 9 credit classification and provisioning standards

• Ability to build and maintain dashboards and risk reports

• Strong data interpretation and communication skills

• Excellent attention to detail and problem-solving ability

• Effective communicator with the ability to present complex data clearly

Required Skill:

• Communication

How to Apply:
Send your resume to hr@kifiya.com with "Financial and Credit Risk Analyst" as the subject line.

Kifiya is an equal opportunity employer committed to building a diverse and inclusive team. All qualified applicants are encouraged to apply.