Senior Credit Analytics Manager

We're hiring a Senior Credit Analytics Manager for our team based in Ghana. Your predictive models and data-driven experiments will unlock financial inclusion for millions across Africa. Using SQL, Python/R, and rich transactional datasets, you'll translate complex data into strategic insights that shape how we responsibly serve Every Day Earners.

Your analytics will shape executive decisions on risk, pricing, and growth. We've unlocked over $2 billion in credit for 7 million customers by building sophisticated models that serve the traditionally excluded. You'll use advanced analytics to define our risk appetite and credit strategy.

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

🚀 Data scale: Analyse 1.5 million daily payments across multiple African markets

💡 Advanced analytics: Build predictive models, design A/B tests, run causal analyses with real impact

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

Lead advanced analytics that inform credit risk appetite, pricing, and portfolio strategy. Build predictive models, design experiments, and translate data into actionable insights that enable sustainable, profitable growth in a rapidly scaling environment.

What You'll Do:

• Build predictive models for credit loss, cash flow, and customer behaviour using SQL, Python/R on large transactional datasets

• Design and run experiments—A/B tests and causal analyses to optimize credit strategies and improve portfolio performance

• Translate data into strategy—present compelling analytical insights to senior leadership on credit policy, pricing, and risk appetite

• Partner cross-functionally with Product, Data Science, Finance, and Operations to embed analytics into credit decisioning

Advanced Analytics & Technical Skills
Deep, hands-on expertise using SQL and Python or R to analyse large datasets, build predictive models (loss models, cash-flow projections, IFRS 9 provisioning), and run statistical experiments.

Credit Risk Exposure
5+ years working with consumer credit, lending, or financial services data—understanding credit performance metrics, loss drivers, risk concentration, and portfolio analytics. Experience in digital lending, fintech, or asset-backed finance (PAYGo, BNPL, mobile lending) is highly valued.

Strategic Communication
Proven ability to translate technical analyses into executive decision support—influencing credit policies, pricing, terms, and risk appetite through clear, compelling data storytelling presented to senior leadership.

Work at the intersection of advanced analytics and real-world impact. You'll use cutting-edge analytical techniques on rich datasets to make credit decisions that directly improve people's lives at massive scale.

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

Core Stack: SQL (essential), Python or R (essential), Power BI, Excel

What You'll Build:

• Predictive loss models and cash-flow projections

• IFRS 9 provisioning models

• A/B testing frameworks and causal inference analyses

• Portfolio performance dashboards and executive reports

Data Scale: Large transactional datasets with 1.5 million daily payments

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 analytical capabilities as the business grows in complexity and reach. Working closely with Product, Data Science, 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 predictive modeling, experimental design, and data-driven decision-making 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.