Senior Credit Portfolio Manager

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.

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.

3. 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.

• 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.

At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility.

Join us in shaping the future of M-KOPA as we grow together. Explore more at m-

Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024 and 2025) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 5 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa.

Important Notice

M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply.

M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships. 

M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for 'recruitment fees', 'processing fees', 'interview fees', or any other kind of money in exchange for offer letters or interviews at any time during the hiring process.

Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date.