Senior Manager – Credit at M-KOPA
Job role insights
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Date posted
October 15, 2025
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Closing date
October 25, 2025
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Hiring location
Nairobi, Kenya
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Qualification
Bachelor Degree Master’s Degree
Description
We are looking for a Senior Manager to join our Credit team as we scale up and drive digital and financial inclusion across our markets.
Are You Ready to Shape the Future of Credit in Emerging Markets?
At M-KOPA, we're pioneering financial access for millions across Africa. We're seeking a Senior Credit Manager who will serve as an analytical project manager, bridging credit experience, qualitative observations, economic and behavioral research, and technical data analytics to answer the most critical questions about our credit portfolio.
The Role: Your Impact
This position is where analytical rigor meets strategic influence. You'll lead analysis, management, and communications regarding credit performance across our company's portfolio, customers, products, and services. Your work will provide actionable insights that directly influence consumer credit behavior and shape business decisions at the highest levels.
What You'll Do
Credit Management Excellence
Evaluate & Approve: Assess business proposals against sound business criteria, ensure credit risk falls within acceptable parameters, and recommend appropriate credit facilities with strategic terms and conditions
Risk Assessment: Identify, quantify, and evaluate credit risks in relation to profitability and financial viability of business banking credits
Portfolio Analysis: Provide quality analysis using SQL, R, Python, Excel, and BI visualization tools to inform management on credit performance across portfolios, products, and customers
Design Experiments: Create and implement initiatives and experiments aimed at improving and maintaining healthy credit performance across M-KOPA's customer base, working extensively with cross-functional teams
Market Intelligence: Stay attuned to industry and market risk developments and trends, understanding their impact on customers and underlying portfolios
Economic Analysis: Consolidate, analyze, and maintain economic/market data for portfolio analysis, stress testing, and other departmental objectives
Systems, Models & Reporting
Model Development: Contribute to developing credit and financial models including IFRS 9 provisioning, bad debt modeling, cash flow modeling, and predictive loss rate models
Performance Monitoring: Track and report on key metrics for M-KOPA's core products and pilots—including portfolio health, delinquency reporting, repayment rates, and roll rates
Systems Innovation: Challenge existing credit management systems, procedures, and practices, implementing improvements across all credit management areas
Executive Reporting: Lead development of reports for senior management, country leadership teams, and investors using graphical analysis, PowerPoint presentations, and compelling written/verbal communications
Continuous Innovation: Test new data, analytics approaches, and models to push the boundaries of what's possible
Granular Analysis: Analyze portfolio performance at segment level on an ongoing basis, identifying trends and conducting root-cause analysis to isolate key performance drivers
Leadership & Collaboration
Stakeholder Relationships: Build strong relationships with key stakeholders to improve quality of business proposals and turnaround time on pricing and product launches
Technical Communication: Routinely communicate complex technical subject matter clearly to team members and relevant stakeholders
Cross-Functional Partnership: Work in partnership with diverse teams, fostering a supportive and collaborative atmosphere that encourages diverse viewpoints and problem-solving
Team Management: Lead and develop Credit Analysts, prioritizing analyst time across various projects
Your Decision-Making Authority
This role comes with significant responsibility. You'll make recommendations and decisions on:
Credit metric assumptions for pricing models
Country-wide KYC and underwriting standards
Prioritization of analyst time on various projects
Bad debt provisioning and adjustments
Interventions to improve credit performance
Product, service, and pricing decisions
What You Bring
Essential Experience & Education:
6-10 years of work experience in consumer credit, asset finance, pricing, data science, behavioral research, or strategy consulting
Proven track record managing teams, portfolios, and complex projects
Bachelor's or Master's degree preferably in quantitative fields: Economics, Econometrics, Data Analytics, Computer Science, Statistics, Engineering, Credit Management, Finance, or Behavioral Psychology
Technical Mastery:
Analytical Tools: Proficiency in SQL, R, Python, PowerBI, Excel, PowerPoint, Word
Credit & Financial Analysis: Skills to effectively evaluate and report on key performance metrics
Statistical Foundation: Clear understanding of statistics, quantitative methods, and best practices
Business Concepts: Deep understanding of ROI analysis, discounted cash flow, causality, and statistical significance
Highly Valued:
Knowledge of lending business practices and consumer credit in emerging markets
Experience with IFRS 9 provisioning and financial modeling
Understanding of behavioral economics and credit psychology
Key Competencies:
Core: Adaptability | Innovation | Continuous Learning | Results-Oriented | Fostering Feedback | Attention to Detail
Leadership: Strategic Leadership | Strategic Thinking & Planning | Building Collaborative Teams | Managing Performance & Coaching | Leading Change
Technical: Credit Risk Management | Credit Risk Assessment | Business Environmental Analysis | Credit Analytics & Reporting | Credit Portfolio Management
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