Job description
Nithio is looking to hire a Credit Risk Analyst with strong quantitative and problem solving skills, an ability to translate complex problems into clear frameworks, and an entrepreneurial mindset. Preference will be given to applicants with direct experience in credit risk modelling for SMEs or consumers, and/or experience in the African continent.
Seeing as Nithio is based in Washington DC, you will be required to travel to Washington DC for a period of 3 – 4 months at a time.
Detailed Responsibilities
Work directly with senior management to develop a credit risk framework for analyzing distributed energy service companies (DESCOs) using analytically advanced methods while managing risk/reward dynamics
Conduct an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and prospective DESCO clients
Manage client on-boarding, KYC/AML reviews
Collaborate with Nithio strategic partners (i.e. Fraym.io), data scientists and clients to analyze household payment history, product pricing, and consumer receivables to expand, deepen, and refine the Nithio underwriting tool
Support customized client engagements (e.g., investors, distributed energy companies, policymakers, and development agencies)
Assist in the structuring of commercially viable financing proposals aligned with risk standards and detailed understanding of the clients’ strategic and financial objectives
Manage the portfolio of active clients and prospects
Prepare analytical products, including presentations, reports, briefings, and other materials
Maintain in depth knowledge of Nithio credit risk policies and practices as well as the applicable local and US regulations to assist the company in achieving compliance and satisfactory internal and external audit results
Does this sound like you?
Bachelor’s, Master’s, or Ph.D. in a quantitative field (Finance, Mathematics, Economics, Engineering or in a related field)
Typically, 3-5 years’ credit risk analytics / customer analytics experience in an SME lending or retail lending environment in a commercial/and or investment bank or other lending institution
Advanced knowledge of Excel, SQL or R; training in statistical methods, econometrics are a definite plus
Outstanding communication and writing skills
Strong judgment and critical thinking skills, with the ability to articulate and present points of view and ideas effectively
Results oriented individual with a proactive and creative approach to problem solving
Proven ability to successfully prioritize multiple, competing priorities with strong attention to detail
Demonstrated ability to advance discrete projects both independently and as part of a small team
Entrepreneurial mindset; confidence and can-do attitude
Strong interpersonal skills and ability to interact with senior executives, external vendors and multiple stakeholders
Flexibility and willingness to pitch in wherever needed
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