Senior Manager, Credit and Analytics

M-KOPA is dedicated to making high-quality energy accessible and affordable to everyone. The company has successfully connected over 400,000 homes in Kenya, Tanzania, and Uganda to solar power, expanding its reach by more than 550 new homes daily.

The Senior Manager, Credit and Analytics, will play a critical role in shaping M-KOPA's credit strategy and portfolio performance in Kenya. This position offers a unique opportunity to directly impact business direction by providing data-driven recommendations to senior leadership. The role requires a deep understanding of credit outcomes, pricing, and unit economics, with a focus on ensuring sustainable growth and healthy credit performance.

1. Diagnose and steer the credit portfolio by managing weekly, monthly, and quarterly reporting.
2. Lead portfolio reviews, incorporating fraud and collections insights, and investigate performance dips to initiate corrective actions.
3. Represent credit on regulatory matters and guide credit bureau decisions.
4. Develop payment plan pricing strategies to balance sales growth with credit health.
5. Test credit assumptions for new plans and forecast their impact on unit economics.
6. Oversee Business Intelligence (BI) delivery for Kenya, ensuring data quality and consistent metric definitions.
7. Collaborate with data and engineering teams to provide reliable and timely data to the business.
8. Mentor the team to focus on results and deliver trustworthy numbers.

1. Demonstrable track record in credit risk and portfolio performance within financial services, preferably in consumer lending or PAYGO in emerging markets.
2. Clear understanding of how credit outcomes relate to pricing, unit economics, and margin.
3. Exceptional analytical skills, including building models and insights from multi-source data using code-based tools and BI platforms.
4. Experience in designing experiments and translating results into actionable recommendations for senior leaders.
5. Proven experience leading BI or analytics delivery and managing analysts and managers.
6. Ability to influence decisions at General Manager and executive levels.
7. A quantitative degree is preferred; a postgraduate qualification or designation (CFA, ACCA, CPA, FRM) is a plus.
8. Capability to align Credit, Sales, and Finance towards common outcomes.
9. Strong written communication skills for executive-level analysis.
10. A results-oriented mindset, comfortable with being measured on credit performance.