1. About 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.

2. 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.

3. WHAT YOU WILL DO

Credit Management

1. 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.

2. Identify, quantify, and evaluate credit risks in relation to profitability of business proposals and financial viability of Business banking credits.

3. 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.

4. 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.

5. 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.

6. 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

7. 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.

8. 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.

9. Challenge the existing Credit management system, procedures and practices and implement improvements in all areas of Credit management.

10. 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.

11. Continue to innovate by testing new data, analytics approaches and models.

12. 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

13. Builds relationship with key stakeholders to improve quality of business proposals and turnaround time on pricing and or product launch.

14. Routinely communicate technical subject matter clearly to other team members and relevant stakeholders

15. 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

4. 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

Why M-KOPA?

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-kopa.com.

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.