Fintech Risk Analyst / Digital Lending Specialist / Credit Analytics Manager

📌 Job Title

Fintech Risk Analyst / Digital Lending Specialist / Credit Analytics Manager

(Part‑Time / Full‑Time / Hybrid)

Company: Omni Africa Business Services (Singapore)

🧠 About the Role

As a Fintech Risk Analyst / Digital Lending Specialist / Credit Analytics Manager at Omni Africa Business Services, you will be responsible for managing credit risk, performing digital lending analytics, and supporting strategic decision-making in fintech operations. You will work at the intersection of finance, technology, and data, helping optimize lending portfolios, evaluate borrower risk, and implement scalable credit analytics frameworks.

This role combines risk management, financial modeling, and data-driven insights to enhance digital lending performance and ensure regulatory compliance.

🚀 Key Responsibilities📊 Credit Risk & Analytics

• Analyze credit risk data for digital lending products, evaluating borrower creditworthiness, repayment probability, and portfolio risk.
• Develop credit scoring models and predictive algorithms for assessing lending risk.
• Monitor lending portfolio performance and identify potential defaults or high-risk segments.

💻 Digital Lending Operations

• Support end-to-end digital lending processes, including underwriting, approval workflow, and loan monitoring.
• Collaborate with product and technology teams to implement automated credit assessment tools.
• Optimize lending strategies using analytics and performance metrics.

🛠 Financial Modelling & Reporting

• Build financial models to simulate loan portfolio outcomes and stress-test credit strategies.
• Prepare reports and dashboards for management, highlighting key trends, risk exposure, and performance metrics.
• Conduct scenario analysis and sensitivity testing to guide decision-making.

🤝 Compliance & Stakeholder Engagement

• Ensure adherence to regulatory requirements, internal policies, and industry best practices.
• Collaborate with internal teams, stakeholders, and external partners to align credit policies and operational strategies.
• Communicate complex financial and risk insights clearly to non-technical stakeholders.

🧑💻 Required Qualifications

• Bachelor’s or Master’s degree in Finance, Economics, Business Analytics, Data Science, or related field.
• Proven experience in credit risk analysis, fintech operations, digital lending, or financial analytics.
• Strong analytical, quantitative, and problem-solving skills.
• Proficiency in tools such as Excel, SQL, Python, R, or financial modeling software.
• Knowledge of digital lending platforms, credit scoring, and regulatory frameworks.

⭐ Preferred (Bonus) Skills

• Experience with machine learning models for credit risk assessment.
• Familiarity with financial regulations in Singapore or APAC fintech markets.
• Exposure to portfolio management, risk dashboards, and reporting tools.
• Ability to work cross-functionally with tech, operations, and product teams.

🕐 Working Conditions

• Flexible employment modes: Part-Time, Full-Time, or Hybrid (Singapore working hours).
• Collaborative environment with opportunities to influence fintech strategy.
• Exposure to emerging digital finance technologies and innovative lending solutions.

🌟 Why Join Omni Africa Business Services

• This role offers the opportunity to shape the future of digital lending by leveraging data-driven insights and risk analytics. You will contribute directly to portfolio optimization, financial innovation, and strategic risk management, while gaining experience in a dynamic fintech environment.