Senior Manager - Credit Performance & Analytics

We're hiring a Senior Manager - Credit Performance & Analytics for our team based in Ghana. Your credit models will unlock financial inclusion for millions across Africa. Through predictive analytics, experiments, and strategic insights, you'll give people their first real opportunity to build financial security.

Your analysis will shape how we responsibly serve millions of customers across Africa. We've unlocked over $2 billion in credit for 7 million Every Day Earners. You'll translate complex credit data into executive insights that define our risk appetite and drive growth in Ghana.

🎯 Mission-driven fintech: TIME 100 company and Financial Times' Africa's fastest-growing company (2022-2025)

🚀 Scale & complexity: Processing 1.5 million daily payments across multiple African markets

💡 Technical excellence: Build predictive models, run causal analyses, shape credit strategy with rich transactional data

🌍 Real impact: 70% of customers use M-KOPA products for income generation | 2.5 million first-time internet users connected

Lead advanced credit analytics that inform risk appetite, pricing, and portfolio strategy. Translate data into actionable insights that strengthen credit decision-making and enable sustainable, profitable growth in a rapidly scaling environment.

What You'll Do:

• 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

Digital Consumer Credit Expertise
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.

Advanced Analytics & Modeling
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.

Strategic Influence
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.

Shape how a high-growth, mission-driven fintech uses data to make smarter, fairer credit decisions at scale. You'll work at the intersection of advanced analytics, product innovation, and real-world impact—seeing your insights directly influence strategy, risk appetite, and customer outcomes.

With significant ownership, executive exposure, and complex analytical challenges using rich datasets, this role offers intellectual challenge, meaningful autonomy, and the opportunity to build systems that responsibly unlock financial inclusion for millions. You'll have the freedom to design experiments, challenge assumptions, and directly shape credit strategy.

The Credit Risk & Analytics team manages credit risk, portfolio performance, and data-driven decision-making across M-KOPA's consumer finance products. They are an established but evolving team, scaling their capabilities as the business grows in complexity and reach. Working closely with Product, Finance, and Operations, they play a central role in shaping credit strategy and performance at scale.

• 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

Your expertise in digital consumer credit, advanced modeling, and strategic influence will directly shape how we grow responsibly across Africa.

Apply now!

At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility.

Join us in shaping the future of M-KOPA as we grow together. Explore more at m-kopa.com.

Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024 and 2025) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 6 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa.

Important Notice
M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply.

M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships. 

M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process.

Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date.

If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.