We are looking for a results-oriented Credit Associate (Temp – 6 months) to support our lending operations during a high-growth period. You will assess customer creditworthiness, support loan processing, and manage repayment follow-ups to maintain a healthy portfolio of financed devices. This role is based onsite in Nairobi and reports to the Director of Credit and Customer Experience.

• First 3 months focus
• In the first 90 days, you will quickly ramp up on MoPhones’ credit policies, tools, and workflows while handling day-to-day credit tasks with accuracy and speed.
• Key focus areas in the first three months:
• Review incoming credit and loan applications against defined eligibility and risk criteria.
• Collect, verify, and record customer financial and KYC information in our systems.
• Support account setup and activation for newly approved customers, ensuring all documentation is complete.
• Begin structured repayment follow-ups on assigned customers and align with the team on escalation paths.
• Beyond 3 months focus
• Beyond the initial ramp-up, you will focus on stabilising and improving portfolio quality, working closely with CX and sales teams. Focus areas after month three may include:
• Proactively manage a defined customer portfolio, monitoring repayments and identifying early signs of risk.
• Negotiate repayment arrangements within guidelines and escalate high-risk accounts as needed.
• Provide feedback on recurring credit issues or process gaps and suggest improvements.
• Support ad hoc credit projects linked to campaigns, new products, or portfolio clean-up.

Success Metrics (KPIs) 

• The Credit Associate – Temp (6 months) will be measured against these success metrics:
• 90% customers paid >85% (FY26Q1 wk12)
• 90% customers paid >85% (FY26Q1 wk5)
• Courtesy Calls; 100% Attempt Rate, 95% reach rate in 5 days
• 100% of unreached customers have a closed action (i.e. partner/agent called customer, FCO visited customer)
• <5 minutes median onboarding call time

What we are looking for

• Strong analytical skills with the ability to interpret financial/repayment data and make sound recommendations.
• High ownership, reliability, and comfort working in a target-driven, fast-paced environment.
• Good communication skills and professionalism when speaking with customers about repayments and obligations.
• Diploma or degree in Finance, Banking, Economics, Business, or a related field.
• Availability to commit to a full-time 6-month temporary contract based in Nairobi.

• Review incoming credit and loan applications against defined eligibility and risk criteria.
• Collect, verify, and record customer financial and KYC information in our systems.
• Support account setup and activation for newly approved customers, ensuring all documentation is complete.
• Begin structured repayment follow-ups on assigned customers and align with the team on escalation paths.
• Proactively manage a defined customer portfolio, monitoring repayments and identifying early signs of risk.
• Negotiate repayment arrangements within guidelines and escalate high-risk accounts as needed.
• Provide feedback on recurring credit issues or process gaps and suggest improvements.
• Support ad hoc credit projects linked to campaigns, new products, or portfolio clean-up.

• BA/BSc/HND