Credit Risk Manager

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.