Senior Credit Portfolio Manager at M-KOPA

If you've spent years in the trenches of credit portfolio management building models, diagnosing performance issues, and translating complex data into executive-level insights; this role will feel both familiar and exciting. We're looking for someone who can bridge the gap between sophisticated analytics and actionable business strategy, leading the analysis and communication of credit performance across M-KOPA's growing portfolio.

This isn't just a reporting role. You'll be the analytical project manager who connects credit experience, qualitative insights, economic research, and technical data analytics to answer our toughest questions about portfolio health and customer behaviour. Your work will directly influence how we serve millions of customers across Africa.

What You Will Do

Strategic Credit Leadership

You'll evaluate business proposals through a credit risk lens—ensuring they meet sound business criteria while keeping risk within acceptable parameters. Your recommendations on credit facilities, terms, and conditions will shape how we grow responsibly. You'll identify, quantify, and evaluate credit risks against profitability targets, bringing your deep understanding of consumer credit to inform decisions at the highest levels.

Portfolio Analytics & Insights

Using SQL, Python, R, and BI visualization tools, you'll deliver the quality analysis that keeps leadership informed on portfolio, product, and customer performance. Beyond regular reporting, you'll manage ad-hoc investigations and causal diagnostics—digging into the "why" behind the numbers. You'll design and implement experiments to improve credit performance, working across departments to test hypotheses and drive results.

Model Development & Innovation

You'll contribute to sophisticated credit and financial models, including IFRS 9 provisioning, bad debt modelling, cash flow projections, and predictive loss rate models. You'll monitor and report on KPIs across core products and pilots—from standard delinquency metrics to more nuanced indicators of portfolio health. And you'll challenge existing systems and practices, pushing the team to continuously improve.

Stakeholder Communication

You'll lead the development of reports for senior management, country leadership teams, and investors—translating complex analytics into compelling narratives through graphical analysis, presentations, and clear written communications. You'll build relationships across the business to improve proposal quality and accelerate product launches.

What You Bring

• You have 6-10 years in analytical roles within consumer credit, asset finance, pricing, data science, or strategy consulting, including experience managing teams, portfolios, and projects. You're comfortable working in emerging markets and understand the unique dynamics of consumer credit in these contexts.
• Your technical toolkit includes SQL, Python or R, Power BI, and Excel—and you know how to use them to evaluate performance, build models, and tell compelling stories. You understand business fundamentals like ROI analysis, discounted cash flow, causality, and statistical significance. And you can translate technical subject matter into clear communications for non-technical stakeholders.
• You hold a bachelor's or master's degree in a quantitative field economics, econometrics, data analytics, computer science, statistics, engineering, finance, or behavioural psychology. More importantly, you have strong interpersonal and presentation skills that allow you to influence and collaborate effectively at all levels.