Senior Credit Portfolio Manager at M-KOPA Nigeria

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 recruiting to fill the position below:

Job Title: Senior Credit Portfolio Manager

Location: Lagos, Nigeria
Employment Type: Full Time
Department: Fintech Credit

The Opportunity

• If you've spent years in the trenches of credit portfolio management building models, diagnosing performance issues, and translating complex data into executive-level insights, this role will feel both familiar and exciting.
• We're looking for someone who can bridge the gap between sophisticated analytics and actionable business strategy, leading the analysis and communication of credit performance across M-KOPA's growing portfolio.
• This isn't just a reporting role.
• You'll be the analytical project manager who connects credit experience, qualitative insights, economic research, and technical data analytics to answer our toughest questions about portfolio health and customer behaviour.
• Your work will directly influence how we serve millions of customers across Africa.

What You Will Do
Strategic Credit Leadership:

• You'll evaluate business proposals through a credit risk lens—ensuring they meet sound business criteria while keeping risk within acceptable parameters. Your recommendations on credit facilities, terms, and conditions will shape how we grow responsibly.
• You'll identify, quantify, and evaluate credit risks against profitability targets, bringing your deep understanding of consumer credit to inform decisions at the highest levels.

Portfolio Analytics & Insights:

• Using SQL, Python, R, and BI visualization tools, you'll deliver the quality analysis that keeps leadership informed on portfolio, product, and customer performance.
• Beyond regular reporting, you'll manage ad-hoc investigations and causal diagnostics—digging into the "why" behind the numbers.
• You'll design and implement experiments to improve credit performance, working across departments to test hypotheses and drive results.

Model Development & Innovation:

• You'll contribute to sophisticated credit and financial models, including IFRS 9 provisioning, bad debt modelling, cash flow projections, and predictive loss rate models.
• You'll monitor and report on KPIs across core products and pilots—from standard delinquency metrics to more nuanced indicators of portfolio health.
• And you'll challenge existing systems and practices, pushing the team to continuously improve.

Stakeholder Communication:

• You'll lead the development of reports for senior management, country leadership teams, and investors—translating complex analytics into compelling narratives through graphical analysis, presentations, and clear written communications.
• You'll build relationships across the business to improve proposal quality and accelerate product launches.

What You Bring

• 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.
• You have 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.
• 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.
• You understand business fundamentals like ROI analysis, discounted cash flow, causality, and statistical significance.
• And you can translate technical subject matter into clear communications for non-technical stakeholders.
• More importantly, you have strong interpersonal and presentation skills that allow you to influence and collaborate effectively at all levels. 

Why M-KOPA?

• At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training.
• We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online