Senior Manager: Credit at M-KOPA

M-KOPA is a mission-driven fintech company transforming lives across Africa by providing access to smartphones, digital loans, and essential services. Our work directly impacts over 23 million lives, enabling families to access education, grow businesses, and build financial resilience. As a carbon-negative company that has displaced over 2 million tonnes of carbon emissions, we're committed to creating sustainable impact.

JOB PURPOSE

• The role is akin to an analytical project manager, bridging credit experience, qualitative observations, economic and behavioral research and technical data analytics to answer key questions about M-KOPA’s credit portfolio. This role requires an ability to clearly identify a problem, scope an approach to understanding the problem, manage analytical workflow to answer the questions at hand, and clearly communicate actionable recommendations.
• Lead analysis, management and communications regarding credit performance of the company’s portfolio, customers, and products and services. This includes managing multi-source data analysis, designing experiments, testing hypotheses, and compiling presentations and reports used internally and by external stakeholders. The objective of the role is to provide actionable insights to understand and influence consumer credit behavior.

WHAT YOU WILL DO

Credit Management

• Evaluates whether Business proposals meet sound business criteria and credit risk falls within acceptable parameters, approve, and recommends appropriate credit facilities including terms or conditions of facilities.
• Identify, quantify, and evaluate credit risks in relation to profitability of business proposals and financial viability of Business banking credits.
• Provide quality analysis (typically provided via SQL, R, Python, Excel, and BI visualization tools) to inform management on the credit performance of the portfolio, products, and customers. This includes regular portfolio and product-level reporting as well as managing ad-hoc investigations and causal diagnoses.
• Design and implement initiatives and experiments geared towards improving and maintaining healthy credit performance across M-KOPA’s customer base. This includes working extensively with other departments.
• Keep abreast of industry-specific knowledge and key development – stay attuned to industry and market risk development and trends in relation to customers and impact on underlying portfolios.
• Consolidate, analyze, and maintain economic/market data to be used in portfolio analysis, portfolio stress testing, and other departmental objectives as assigned.

Systems Review & Reporting

• Contribute to the development of credit and financial models to be used by the business, including but not limited to IRSR 9 provisioning and bad debt modelling, cash flow modelling, and predictive loss rate models.
• Monitor and report on key performance metrics on M-KOPA’s core products and pilots, including standard and non-standard forms of portfolio health and delinquency reporting, repayment rates, roll rates, etc.
• Challenge the existing Credit management system, procedures and practices and implement improvements in all areas of Credit management.
• Lead the development of reports to key stakeholders including senior management, country leadership teams, and investors, utilizing graphical analysis, PowerPoint presentations, and verbal and written communications.
• Continue to innovate by testing new data, analytics approaches and models.
• Analyse portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance driver.

Team Management & Stakeholder Management

• Builds relationship with key stakeholders to improve quality of business proposals and turnaround time on pricing and or product launch.
• Routinely communicate technical subject matter clearly to other team members and relevant stakeholders
• Work in partnership with cross-functional teams, fostering a supportive and collaborative atmosphere. Encourage diverse viewpoints and a culture of creativity and problem-solving within the team

WHAT YOU WILL NEED

• 6-10 years of work experience in an analytical field such as consumer credit, asset finance, pricing, data science, behavioural research, or strategy consulting, including experience managing teams, portfolios, and projects
• Credit, data, and financial analysis skills to effectively evaluate and report on key performance metrics
• Knowledge of lending business practices and consumer credit in emerging markets strongly preferred.
• Strong interpersonal and presentation skills to effectively communicate with colleagues and senior stakeholders
• Understanding of business concepts including ROI analysis, discounted cash flow, causality, & statistical significance
• Bachelors or Master’s degree preferably in a quantitative field, including economics, econometrics, data analytics, computer science, statistics, engineering, credit management, finance or behavioural psychology
• Proficiency in structuring analytical projects and familiarity with tools including SQL, R!, Python, PowerBI, Excel, PowerPoint, Word, as well as a clear understanding of statistics and quantitative methods and best practices

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