Credit Risk Manager
Description
As a Credit Risk Manager at 4G Capital, you will lead the execution of our Credit Risk strategies, ensuring a balanced, data-driven approach is applied. Leveraging credit performance data and market insights, you will collaborate with cross-functional teams to create transparent, affordable, and scalable lending solutions that empower small businesses across our markets.
Roles & Responsibilities
- Run and refine 4G Capital’s portfolio and risk management framework to support sustainable, appropriate growth and innovation in lending.
- Work with stakeholders to evolve the risk-adjusted portfolio strategy, integrating pricing, increments, retention, financial stress management, collection and client and staff incentive structures to optimise credit access while managing risk and reward.
- Identify and propose amendments to credit policies and product structures based on portfolio insights. Ensure credit policies are updated and reflect current policies being applied
- Work with stakeholders to evolve fraud prevention and detection policies.
- Work with stakeholders in piloting of new products
- Continuously monitor portfolio health and trends, flagging stress and deterioration. Identify leading indicators and macroeconomic trends that influence credit performance and delinquency levels.
- Work proactively to adjust origination, increments, retention and collection strategies to optimise performance.
- Design, implement, and optimise proactive pre-and post-delinquency strategies to balance portfolio performance and customer experience.
- Collaborate with operations, collections, product and customer support teams to refine risk mitigation efforts and enhance recovery processes.
- Partner with decision scientists, data analysts, engineers, finance, and legal teams to drive alignment on credit risk strategy and execution.
- Develop and maintain impactful strategy frameworks, leveraging modern data architectures and analytics tools.
- Provide actionable insights and portfolio performance reporting to internal stakeholders and develop understanding of risk within the Senior Management Team.
- Provide portfolio performance reporting to external stakeholders, including debt investors, external auditors and regulatory bodies.
- Support fund raising discussions by articulating 4G Capital’s risk and portfolio management strategy and performance expectations.
Required skills for a Regional Manager
- Must be curious to ask questions, possess the technical skills to interact and query the data, robustly analyse the data, and then effectively communicate the findings to non-credit experts around the company.
- More than 5+ years of experience in portfolio management, credit risk strategy, or lending policy within fintech, banking, or financial services in East Africa.
- Bachelor’s or Master’s degree in Business, Economics, Mathematics, Statistics or a related field.
- Strong analytical skills with expertise in credit portfolio management, risk modelling, and financial forecasting. This includes the ability to code and analyse in python.
- Hands-on experience in developing and implementing credit policies, with a strong understanding of Kenyan and international credit regulations.
Skills
Job role insights
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Date posted
March 16, 2025
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Closing date
March 30, 2025
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Hiring location
Nairobi
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Offered salary
Negotiable Price
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Career level
Middle Level
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Qualification
Bachelor Degree
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Experience
1 - 2 Years
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Gender
Female
Interested in this job?
13 days left to apply