Senior Manager, Credit and Analytics – M-Kopa
Job Purpose
To lead credit risk management, portfolio performance, and analytical strategy across consumer lending or PAYGO operations—optimizing unit economics, pricing models, and data governance while partnering across Credit, Sales, and Finance to drive sustainable financial results.
Roles & Responsibilities
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Portfolio Diagnosis & Steering: Oversee weekly, monthly, and quarterly credit reporting; lead portfolio reviews integrating fraud and collections insights; investigate performance slips; and represent credit on regulatory and credit bureau matters.
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Pricing for Growth & Margin: Design and price payment plans to balance sales growth with credit health, test underlying credit assumptions, and forecast the impact of strategic initiatives on unit economics.
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BI Ownership & Data Governance: Own BI delivery, establish rigorous data quality standards and metric definitions, partner with engineering teams, and ensure stakeholders receive accurate and timely data.
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Team Leadership & Cross-Functional Alignment: Direct analysts and managers, coach teams to focus on high-impact results, and unite Credit, Sales, and Finance around shared portfolio performance goals.
Qualifications
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Quantitative degree preferred.
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Postgraduate qualification or professional designations such as CFA, ACCA, CPA, or FRM are an added advantage.
Skills, Experience & Competences
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Seasoned, demonstrable track record in credit risk and portfolio performance within financial services (ideally consumer lending or PAYGO in emerging markets), with a deep understanding of pricing, unit economics, and margins.
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Top-tier analytical capability, including building models from multi-source data using code-based tools and BI platforms, designing experiments, and translating insights into executive-level recommendations.
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Demonstrated mastery in leveraging AI tools within real business workflows to craft prompts, validate outputs, and enhance decision-making processes.
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Proven experience leading BI/analytics delivery and directing analysts and managers, with the executive presence to influence General Managers and senior leadership.
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Exceptional written communication skills, capable of producing concise, executive-ready analysis.