Nithio is a venture-backed energy finance platform that aims to address the acute need for modern energy access on the continent by providing a sustainable infrastructure for capital delivery, offering state-of-the-art underwriting tools, and a powerful information sharing platform for stakeholders to identify high-need grant recipients and credit-worthy customers.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.
Job description
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 for the Credit Risk Analyst Job
- 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
Credit Risk Analyst Job Qualifications
- 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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