Senior Credit Portfolio Manager

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.

The Opportunity

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

• Evaluate business proposals through a credit risk lens
• Identify, quantify, and evaluate credit risks against profitability targets

Portfolio Analytics & Insights

• Deliver analysis using SQL, Python, R, and BI visualization tools
• Design and implement experiments to improve credit performance

Model Development & Innovation

• Contribute to sophisticated credit and financial models
• Monitor and report on KPIs across core products and pilots

Stakeholder Communication

• Develop reports for senior management, country leadership teams, and investors
• Build relationships across the business to improve proposal quality

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. Your technical toolkit includes SQL, Python or R, Power BI, and Excel. You understand business fundamentals and hold a bachelor's or master's degree in a quantitative field.

Why M-KOPA?

At M-KOPA, we empower our people through diverse development programs, coaching partnerships, and on-the-job training. Join us in shaping the future of M-KOPA as we grow together.

Recognized by the Financial Times as one of Africa's fastest growing companies and by TIME100 Most influential companies in the world, we've served over 6 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. M-KOPA does not collect any money as a pre-employment or post-employment requirement.

Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process.

If your application is successful, M-KOPA undertakes pre-employment background checks as part of its recruitment process.