We are looking for a results-oriented Credit Associate to assess creditworthiness, manage loan approvals, and drive strong repayment performance across our customer portfolio. This onsite role in Nairobi reports to the Director of Credit and Customer Experience and focuses on high-quality lending decisions, proactive follow-ups, and maintaining a healthy, growing book of business.

• First 3 months focus
• In the first 90 days, you will learn MoPhones’ credit policies, tools, and systems while consistently screening new loan applications and stabilising repayment performance across your assigned portfolio.

Key focus areas in the first three months:

• Review and assess daily loan applications for creditworthiness, including income, risk profile, and ability to repay.
• Support new customer account setup in CRM and finance systems, ensuring accurate data capture and documentation.
• Begin structured follow-ups on repayments for approved customers and align with the credit team on risk thresholds and limits.
• Beyond 3 months focus 
• Beyond the first three months, the Credit Associate will focus on optimising portfolio quality, reducing delinquencies, and contributing to credit process improvements.
• Focus areas after month three may include:
• Proactively manage a defined loan portfolio, including repayment tracking, escalation of risky cases, and negotiation of repayment plans.
• Identify credit trends, cohort risk patterns, and operational bottlenecks, and propose improvements to policies or workflows.
• Support the design and implementation of credit initiatives that balance growth with portfolio quality and customer experience.

Success Metrics (KPIs)

The Credit Associate 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

• 2–3 years of experience in credit risk, lending, loan officer, or similar financing roles, with at least 2 years focused on credit assessment or collections.
• Proven experience with lending procedures, credit analysis, and using financial spreadsheets to evaluate customers.
• Strong analytical skills, sound judgment, and comfort making clear approval/rejection recommendations.
• Familiarity with CRM or lending systems and ability to maintain accurate, up-to-date loan and customer records.
• High ownership, reliability, and comfort working with targets and portfolio performance metrics.
• Degree in Credit Risk, Banking, Finance, Economics, or a related field.
• Alignment with MoPhones’ mission of expanding access to affordable technology across Africa.

• Review and assess daily loan applications for creditworthiness, including income, risk profile, and ability to repay.
• Support new customer account setup in CRM and finance systems, ensuring accurate data capture and documentation.
• Begin structured follow-ups on repayments for approved customers and align with the credit team on risk thresholds and limits.
• Proactively manage a defined loan portfolio, including repayment tracking, escalation of risky cases, and negotiation of repayment plans.
• Identify credit trends, cohort risk patterns, and operational bottlenecks, and propose improvements to policies or workflows.
• Support the design and implementation of credit initiatives that balance growth with portfolio quality and customer experience.

• Credit assessment
• Loan approval management
• Repayment performance tracking
• CRM and finance systems operation
• Risk analysis
• Negotiation
• Data analysis
• Policy and workflow improvement proposal

• BA/BSc/HND