Background

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.

Role Context

Your current role: you advise, and others decide. This role: you recommend directly to the Managing Director, the General Manager and the Kenya Leadership Team, and what you recommend changes what we do next. You'll also see the customer behind the number, with regular field visits to the places where these loans are actually repaid.

Responsibilities

Diagnosing and steering the portfolio. You run weekly, monthly and quarterly credit reporting, lead the portfolio review with fraud and collections inputs, and go deep when performance slips to find the cause and lead the response. You also represent credit on regulatory matters and lead credit bureau decisions.

Pricing for growth and margin. You price payment plans so sales can grow while credit stays healthy, test the credit assumptions behind new plans, and forecast how each initiative moves unit economics.

Building trusted data and a strong team. You own BI delivery for Kenya, set the standards for data quality and metric definitions, partner with data and engineering teams, and coach the team so the business gets numbers it can trust, on time.

Qualifications and Experience

A seasoned, demonstrable record in credit risk and portfolio performance within financial services, ideally in consumer lending or PAYGO in emerging markets, with a clear grasp of how credit outcomes connect to pricing, unit economics and margin.

Top-tier analytical capability: building models and insights from multi-source data with code-based tools and BI platforms, designing experiments, and turning the results into recommendations senior leaders act on.

Proven experience leading BI or analytics delivery and directing analysts and managers, with the standing to influence decisions at General Manager and executive level.

A quantitative degree is preferred, and a postgraduate qualification or a designation such as CFA, ACCA, CPA or FRM is a welcome extra rather than a gate. Beyond the technical, you are someone who can bring Credit, Sales and Finance around a single outcome, who writes analysis an executive reads in full, and who coaches people to focus on results rather than output. Above all, you believe credit performance is the number that matters, and you're comfortable being measured on it.

• Run weekly, monthly and quarterly credit reporting.
• Lead the portfolio review with fraud and collections inputs.
• Go deep when performance slips to find the cause and lead the response.
• Represent credit on regulatory matters.
• Lead credit bureau decisions.
• Price payment plans so sales can grow while credit stays healthy.
• Test the credit assumptions behind new plans.
• Forecast how each initiative moves unit economics.
• Own BI delivery for Kenya.
• Set the standards for data quality and metric definitions.
• Partner with data and engineering teams.
• Coach the team so the business gets numbers it can trust, on time.

• Credit risk management
• Portfolio performance analysis
• Consumer lending
• PAYGO models
• Pricing strategies
• Unit economics
• Margin analysis
• Data modeling
• BI platforms
• Experiment design
• Leadership
• Influencing executive decisions
• Cross-functional collaboration
• Executive communication
• Team coaching
• Results-oriented
• Credit performance measurement

• Demonstrable record in credit risk and portfolio performance within financial services
• Experience in consumer lending or PAYGO in emerging markets
• Top-tier analytical capability
• Experience building models and insights from multi-source data with code-based tools and BI platforms
• Experience designing experiments
• Proven experience leading BI or analytics delivery
• Experience directing analysts and managers
• Quantitative degree preferred
• Postgraduate qualification or designation such as CFA, ACCA, CPA or FRM is a welcome extra