+254723566128 info@bestlinks.co.ke

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.

Job role insights

  • Date posted

    March 16, 2025

  • Closing date

    March 30, 2025

  • Hiring location

    Nairobi

  • Offered salary

    Negotiable Price

  • Career level

    Middle Level

  • Qualification

    Bachelor Degree

  • Experience

    1 - 2 Years

  • Gender

    Female

Interested in this job?

13 days left to apply

Apply now
Call employer
+358
Apply now
Send message
Cancel
Apply now