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  • Posted: Oct 2, 2025
    Deadline: Not specified
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  • M-KOPA’s mission is to make high quality energy affordable to everyone. OUR GROWTH SO FAR... M-KOPA has connected more than 400,000 homes in Kenya,Tanzania and Uganda to solar power with over 550 new homes being added every day.
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    Senior Manager - Credit

    • This position is where analytical rigor meets strategic influence. You'll lead analysis, management, and communications regarding credit performance across our company's portfolio, customers, products, and services. Your work will provide actionable insights that directly influence consumer credit behavior and shape business decisions at the highest levels.

    What You'll Do

    Credit Management Excellence

    • Evaluate & Approve: Assess business proposals against sound business criteria, ensure credit risk falls within acceptable parameters, and recommend appropriate credit facilities with strategic terms and conditions
    • Risk Assessment: Identify, quantify, and evaluate credit risks in relation to profitability and financial viability of business banking credits
    • Portfolio Analysis: Provide quality analysis using SQL, R, Python, Excel, and BI visualization tools to inform management on credit performance across portfolios, products, and customers
    • Design Experiments: Create and implement initiatives and experiments aimed at improving and maintaining healthy credit performance across M-KOPA's customer base, working extensively with cross-functional teams
    • Market Intelligence: Stay attuned to industry and market risk developments and trends, understanding their impact on customers and underlying portfolios
    • Economic Analysis: Consolidate, analyze, and maintain economic/market data for portfolio analysis, stress testing, and other departmental objectives

    Systems, Models & Reporting

    • Model Development: Contribute to developing credit and financial models including IFRS 9 provisioning, bad debt modeling, cash flow modeling, and predictive loss rate models
    • Performance Monitoring: Track and report on key metrics for M-KOPA's core products and pilots—including portfolio health, delinquency reporting, repayment rates, and roll rates
    • Systems Innovation: Challenge existing credit management systems, procedures, and practices, implementing improvements across all credit management areas
    • Executive Reporting: Lead development of reports for senior management, country leadership teams, and investors using graphical analysis, PowerPoint presentations, and compelling written/verbal communications
    • Continuous Innovation: Test new data, analytics approaches, and models to push the boundaries of what's possible
    • Granular Analysis: Analyze portfolio performance at segment level on an ongoing basis, identifying trends and conducting root-cause analysis to isolate key performance drivers

    Leadership & Collaboration

    • Stakeholder Relationships: Build strong relationships with key stakeholders to improve quality of business proposals and turnaround time on pricing and product launches
    • Technical Communication: Routinely communicate complex technical subject matter clearly to team members and relevant stakeholders
    • Cross-Functional Partnership: Work in partnership with diverse teams, fostering a supportive and collaborative atmosphere that encourages diverse viewpoints and problem-solving
    • Team Management: Lead and develop Credit Analysts, prioritizing analyst time across various projects

    Essential Experience & Education:

    • 6-10 years of work experience in consumer credit, asset finance, pricing, data science, behavioral research, or strategy consulting
    • Proven track record managing teams, portfolios, and complex projects
    • Bachelor's or Master's degree preferably in quantitative fields: Economics, Econometrics, Data Analytics, Computer Science, Statistics, Engineering, Credit Management, Finance, or Behavioral Psychology

    Check how your CV aligns with this job

    Method of Application

    Interested and qualified? Go to M-KOPA Solar on jobs.ashbyhq.com to apply

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