Senior Credit Analytics Manager at M-KOPA

M-KOPA is a fast-growing FinTech company offering millions of underbanked customers across Africa access to life-enhancing products and services. From our roots as the pioneer in pay-as-you-go PayGo solar energy for off-grid homes, we have grown into one of the most advanced connected asset financing platforms in the world, empowering a broad range of customers to achieve progress in their lives.

We are looking for a Senior Credit Analytics Manager to join our Credit Risk & Analytics team as we scale up and drive digital and financial inclusion across our markets.
Leading portfolio analytics and strategic credit evaluation, you will bridge sophisticated data science with actionable business strategy, managing the analysis and communication of credit performance across M-KOPA's growing consumer finance portfolio. Your work will directly influence how we responsibly serve millions of customers, translating complex credit data into executive insights that shape our risk appetite and growth trajectory.
We're looking for someone who has spent 6-10 years in analytical roles within consumer credit, asset finance, pricing, data science, or strategy consulting, including experience managing teams, portfolios, and projects. You're comfortable working in emerging markets and understand the unique dynamics of consumer credit in these contexts—this real-world experience matters as much as your technical capabilities.
Your technical toolkit includes SQL, Python or R, Power BI, and Excel—and you know how to use them to evaluate performance, build models, and tell compelling stories with data. You understand business fundamentals like ROI analysis, discounted cash flow, causality, and statistical significance. Perhaps most importantly, you can translate technical subject matter into clear communications for non-technical stakeholders, influencing decisions at the highest levels of the organization.
You hold a bachelor's or master's degree in a quantitative field—economics, econometrics, data analytics, computer science, statistics, engineering, finance, or behavioural psychology. Beyond credentials, you have strong interpersonal and presentation skills that allow you to influence and collaborate effectively across all levels. You're someone who can identify, quantify, and evaluate credit risks against profitability targets, bringing deep understanding of consumer credit to inform strategic decisions that impact millions of lives across Africa.