M-KOPA

Senior Manager – Credit Performance, Analytics

M-KOPA

full-time

Posted on:

Location Type: Hybrid

Location: Ghana • Ghana

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Job Level

Senior

Tech Stack

PythonSQL

About the role

  • Lead portfolio-level credit risk analytics and diagnostics—assessing performance, risk concentration, and loss drivers to directly inform risk appetite and growth decisions
  • Translate complex credit data into executive decision support on credit policy, terms, pricing, and new product proposals for senior leadership
  • Design and interpret experiments and causal analyses to test credit strategies and optimise portfolio performance
  • Partner with Product, Data Science, Finance, and Operations to embed analytics into credit decisioning and accelerate launches

Requirements

  • 6+ years in digital consumer credit or asset-backed fintech lending (PAYGo, BNPL, mobile lending), with direct ownership of portfolio analytics, credit performance monitoring, and risk strategy in fast-scaling environments.
  • Deep, hands-on expertise using SQL and Python or R to analyse large transactional datasets, build predictive loss and cash-flow models, support IFRS 9 provisioning, and run experiments to improve credit outcomes.
  • Proven track record influencing fintech growth decisions through analytics—setting or challenging credit policies, terms, pricing, and risk appetite based on data-driven insights presented to executive leadership.
Benefits
  • - Professional development programs and coaching partnerships
  • - Family-friendly policies and flexible working arrangements
  • - Well-being support and career growth opportunities
  • - Hybrid working in Ghana with diverse teams across UK, Europe, and Africa

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
SQLPythonRcredit performance monitoringportfolio analyticspredictive loss modelscash-flow modelsIFRS 9 provisioningdata analysisexperimental design
Soft skills
influencingcommunicationcollaborationdecision supportanalytical thinkingproblem-solvingleadershipstrategic thinkingpresentation skillsadaptability